BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Problem with personal statement of dispute

Complaint:
This complaint is regarding an account on my credit report from XXXX XXXX. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified.

I have sent 4 letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is accurate, without any hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. But they did not provide me with any hard copy documentation showing that they properly verified this account and although under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified '', they did not delete the account.. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them to delete this account if they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Transunion because the account is still on my credit report unverified. I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.

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 2022-08-23
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: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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 reviewed my credit report and discovered several accounts in my credit report that appeared too not have been mine, i contact the companies trying to find out how they got my information and why they were reporting negatively to my credit report they were not having they just wanted me to pay for something that is not mine realizing i was not getting anywhere with them. i made a fraud report with the identity thief at the web site ( Will add report ) in accordance with the fair credit reporting act XXXX  the accounts have violated my rights 15.us1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. I would like to have these account listed on my report to be deleted of my credit report permanently not to be returned.

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 2022-12-07
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act XXXX account # XXXX, XXXX, XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Convergent Resources, Inc.
State: CA
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:
problem was not fixed i reached out and explained the matter but still was not removed

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 2022-12-07
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Got a text asking about sending money to someone I didn't even know when I refused got call from bank I told them I didn't authorize this and don't send any money I even call the bank to tell them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ConServe, a debt collection company, sent a letter dated XX/XX/2022 to my employer ( XXXX ) to garnish my wages for a debt in the amount of {$1400.00} that my father, who has the same name, had incurred with the U.S. Department of Interior XXXX Bureau of Land Management in XXXX OR where my father owns a piece of land that he had a contract for access rights. I do not own any land in OR nor have I ever been to XXXX, OR, and I was not a party to this debt in any way. 

ConServe took this action against me without a court order and without notifying me in advance of the existence of this debt, as all previous correspondence had been sent to my father. I became aware of this letter on XX/XX/XXXX when XXXX payroll sent me an email about it. I spoke with representatives from ConServe over the phone on XX/XX/XXXX to ask about the nature of the debt. When they mentioned it had something to do with the XXXX in XXXX OR, I suggested that this was likely related to my father to which the male representative responded they had " verified my social security number with the Dept. of Treasury '', which I discovered when speaking with the Dept of Treasury hotline ( after being on hold for 3 hours ) was not true as the debt provided to ConServe never included my social security number. 

I later obtained letters from my father and spoke with ConServe again on XX/XX/XXXX, providing them both the letters as well as proof of the debts being paid in full on pay.gov, where I was reassured that ConServe would cease garnishing my wages, but this did not happen. I spoke to them again on XX/XX/XXXX, but by this time it was too late and the full amount would still be garnished from one final paycheck.

The amount illegally garnished from my paycheck, for a debt that wasn't mine, is on top of the full amount that my father owed ( and paid ). 

The dollar amount in dispute is {$1400.00} plus {$25.00} in interest ( 5.45 % rate for 4 months ) = {$1400.00} My wages were garnished in 2 paychecks ( XX/XX/XXXX and XX/XX/2022 ) There was no product, I never signed any contracts with ConServe or the XXXX. 
I have not contacted any agencies or attorneys, there is no court action pending or previous lawsuits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23
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:
This is XXXX XXXX and I am submitting this CFPB Complaint to day to follow up the previous complaint I submitted last XXXX XX/XX/2022. I previously sent a letter addressed to the Credit Bureaus on XX/XX/2022, with complete attachments of personal identifying dcouments such as my Driver 's license, and Proof of Billing address, to remove Accounts, Personal informatio and inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. I need the following fraudulent items deleted from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} US DEPT ED XXXX Balance : {$7100.00} US DEPT ED XXXX Balance : {$6800.00} US DEPT ED XXXX Balance : {$5600.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$9400.00} US DEPT ED XXXX XXXX : {$3100.00} US DEPT ED XXXX Balance XXXX {$460.00} US DEPT ED XXXX Balance : {$1600.00} US DEPT ED XXXX Balance : {$8100.00} US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$6700.00} US DEPT ED XXXX Balance : {$1500.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a gift card in XXXX of XXXX. When I tried to use it in XXXX of XXXX I received a turn down from XXXX for insufficient funds. The card was issued by Incomm Financial Services under the name of Vanilla Gift card ( vanillagift.com ). 

I logged and saw the card was purchased by my gift giver at XXXX on XX/XX/XXXX, then used almost 5 months later at a XXXX ( for the EXACT amount, no more no less ) in XXXX XXXX, CA. I live in XXXX and the card has been in my possession since received. 

This was FRAUD. Unless committed by someone internal to the company, or a hacker  was able to breech their database, how else would anyone know the card #, expiration date and, most troubling, the CVV? 

I filed a complaint with the company 's fraud department, with several email follow ups, receiving no reply. I then filed a complaint with XXXX  who did receive a reply stating the matter had been settled and denied. Here was the reason they gave the XXXX  : " '' Contact us immediately if you believe your Card has been lost or stolen, or an unauthorized transaction has been made without your permission using the information from your Card. '' It goes on to state " We may not be able to assist you if you do not contact us within sixty ( 60 ) days of the unauthorized transaction. '' Due to the time frame for submitting a chargeback, recovery of funds are no longer available for the disputed transactions '' How is that even possible in a digital theft situation? It is NOT, it's just a convenient excuse and abdicating response by Incomm. I still have and have always had the card in my possession. As well I haven't been in CA in over 20 years, I live in XXXX. 

The XXXX  closed their case because they got a reply and have no enforcement authority. I let them know I will continue to contest this via you folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 two {$31000.00} and {$6700.00} were unauthorized wire transferred to two strangers from my checking account caused by the Citibank 's promotion wanting consumer 's huge amount of money. I was not given the Client Manual nor the info how to prevent faud when opening the first acoount. Citibank did not set filter and alert as such suspicious activities occured while the Citicard found them and stopped, then informed me in a letter two times. I filed Affidavits and it has been under investigation since XX/XX/22 but the bank refused to give me the provisional credit as it was required by the law and their policy. They even failed to provide Swift code 1 and 2 and the IP address - the necessary information for FBI to do investigation to catch the criminals and prevent future fraud. The XXXX branch refused to help me out before and after the fraud, they lost my huge amount of money but did not want to take any responsibilies for it.

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 2022-07-29
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
U.S. Bank illegally opened an extended line of credit without our permission, nor with written authorization from the Non-Profit Organization ; The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was opened at a branch ( which has not been divulged ) under an EIN number that had expired 10 years ago and tenure and authority changed on the account. US Bank is now trying to collect a debt under an account that has been closed, and no longer active, ( since XXXX ) and refuses to cooperate by providing copies of the alleged Agreement they allegedly had with a signature of the responsible party of the Organization.

I am personally receiving debt collection calls at my home 2 x a day, XXXX XXXX  and XXXX XXXX  and I receive phone calls even on the week-ends. In the past I have written and tried to reach an understanding with many individuals even at the Headquarters in XXXX. I have been ignored, treated as if I did something terribly illegally wrong and US Bank is putting this burden from their inside mistakes on my shoulders. I am only a responsible Party of our Organization, not the owner. No written Debt Collection notification regarding our rights has been forthcoming. Therefore ; I ask, where is this paper work indicating who opened this line of credit and when? 
Here is the first contact made>>> Dispute regarding Extended Line of XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  This is just to confirm that a dispute was sent yesterday for the following Business Account in regards to alleged " Extended Line of Credit '' No. # XXXX. 
I am confirming that XXXX XXXX, XXXX in XXXX Ohio Branch initiated the complaint. 
Please respond in kind as to what else may be required at this time and/or if the dispute was received. 

Thank You XXXX XXXX XXXX XXXX XXXX NO RESPONSE Second Contact made>>>On Friday, XX/XX/2022 at XXXX XXXX  EDT, XXXX XXXX XXXX wrote : In accordance to the Federal Investigators, your company US Bank has been ordered to refund all fees and monies owed to the abused account mentioned in this email for an extended line of credit that our organization nor myself as responsible party, agreed to in writing in accordance to Law. Unless authorized signatures are forthcoming we are allowed the refund of all fees and interest charged on the Line of Credit in the aforementioned account. Thank you.

Responsible Party, XXXX XXXX XXXX' In conclusion, We 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 2022-07-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX EMPLOYER : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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:
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 2022-12-07
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contact by Frost-Arnett Company back on XX/XX/2022 regarding a medical bill I have. The debt collector never verified any PII, never read XXXX XXXX disclosure, and I do believe contacted me by a dilated system. I had to ask her at the end of the call if she was a debt collector because she didnt follow proper procedures. This is a violation in several ways. I did call back and speak to a manager XX/XX/XXXX and made them aware s as bf asked them to listen to the call and still havent heard anything back.

Company response to consumer: Closed with explanation