BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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 XXXX XXXX, who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( 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 explanation
Consumer complaint received 2017-02-11
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from CONVERGENT OUTSOURCING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CONVERGENT OUTSOURCING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Here the nutshell version ... ... .My ( now ) ex-husband and I filed for divorce in XXXX, and I moved out of our house in XXXX that year. As part of the divorce proceedings, we also ended up having to file for bankruptcy which was finalized/discharged in XX/XX/XXXX. Shortly after that, believing that the bank would soon be taking over the house, my ex-husband also moved out of the house. Bank of America, the mortgage holder on the house, was notified of the divorce proceedings and the discharge by our bankruptcy attorney. B of A continued to send statements to us, requesting payment on the mortgage & home equity line. I made multiple calls, advising the bank of the bankruptcy discharge, and I faxed the Discharge Notice to B of A at least XXXX times over the next six or eight months because nobody seemed to have any notation of it in our file. This has literally gone on for years until I finally filed a complaint with the Consumer Financial Protection Bureau in XXXX XXXX. Once I filed the complaint, B of A " expedited '' the processing of the discharge and it seemed like everything was going to move along swiftly. When there was a lull in the processing, I filed a XXXX complaint with the Consuer Financial Protection Bureau ( in XXXX XXXX ), and B of A seemed to get back on track. However, B of A STILL has not completed this matter. I really do n't know what else to do ... .... I 've tried contacting a couple attorneys to get some help, but nobody is interested in taking this on. I 've also contacted the XXXX who says they ca n't do anything .... B of A continues to drag their feet, and I am feeling like this is bordering on negligence on the part of the bank. Nobody seems to know where I should file any type of formal complaint against the Bank - who does Bank of America answer to? There must be some governing body that they report to .... What are my options at this point? How do I get the bank to actually expedite and finalize this matter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Four Directions Lending LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XXXX of 2021 I took a XXXX dollar loan from this company. I was told I would have XXXX payments of XXXX to pay it off. Which is what the first payment in XXXX was. They then began taking double the payment at every payday as opposed to to once a month. I called to try to pay it off and the interest has accrued at an insane amount. I would never agree to a XXXX XXXX percent loan. I have been out of work due to XXXX and called and asked to speak to a supervisor and each time they put me on hold and then said they would call back and never do. They are taking advantage of people amid the pandemic. I have already paid back XXXX times the amount of the original loan. What they are expecting is insane. The attached documents show the payments they doubled and started taking per biweekly which was never the agreement they told me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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:
collection Agency XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$950.00} Amount {$950.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Completed and was not removed. XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Competed and was not removed. XX/XX/XXXX Police report was faxed in to Equifax inwhich this is what equifax representative told me to do, with copy of social security card and id. XX/XX/XXXX Representative from Equifax stated that the police report was not accurate because it did not contain specific information related to each fraudulent mistake. I was never told by any representative that it should be specific for each mistake. Furthermore Investigator stated that there was nothing that he could do and equifax would need to handle dispute and case would be closed on his end. I have completed every action stated by Equifax that I would need to take and this situation still hasn't been resolved. I have asked for a signed contract with my signature and either has been able to present one. Therefore if there is no contract, there is no debt owed and this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Selene Finance LP
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please help us save our home.We paid {$6000.00}, that was originally sent to XXXX XXXX XXXX, l paid them thru XXXX XXXX. When asking for a loan modification. 
l do want the ability for the modification loan and especially my {$600000.00}. since my housing counselor,, @ XXXX., has told me should have never been taken from me. l need an answer soon please, since the redemption period is XXXX. 
XXXX # @ Selene Finance Sincerely, XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is a company I never heard of never done business with! I do n't recognize this account I cant find dates or balance available for my review.

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 2020-04-18
Company: CAINE & WEINER COMPANY, INC.
State: NE
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:
CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Amsher Collection Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have a collection dept through Amsher Collections that I learned about while checking my credit score. I did not recieve any notice at all. The dept originated with XXXX. I could n't get any information from either place. The Dept is for XXXX and I do n't know what it could be for. It might be for a reciever box which I never got.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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:
I sent a series of letters to the credit reporting agencies multiple times requesting a fair investigation due to inaccurate reporting I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. The entire profile SCREAMS lawsuit and im trying to resolve this amicability without going that route but they are forcing my hand due to their negligence Please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested on XX/XX/XXXX, that TransUnion re-investigate inaccurate information on my credit report. The inaccurate information was in my opinion never reinvestigated and the information still shows on my report. This is troublesome and has cause a great deal of stress for me and my family. Under the FCRA, I thought these bureaus can only report 100 % accurate information. I sent letters to the creditor and credit Bureaus on XX/XX/2021. I patiently waited 45 days before reviewing my information only to see that the inaccuracies remain. The balance due, last date reported and last date of activity are all wrong.

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 2021-12-28
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi! I have had a recent dispute with XXXX that is now closed. My credit score ( prior to this event has always been in upper XXXX ) is dropping rapidly and keeps going down due to a debt from Choice Recovery that has this account listed under NOT MY NAME. The girl has my same date of birth, but her name is XXXX XXXX, which is not my name. I told both Choice Recovery and XXXX about this issue and they recommended the dispute, assuring me the issue would be caught and handled. I did threaten to send certified letters but I feel I have obtained enough evidence from a simple phone call to prove this isn't my debt- why should I have to go through all the extra work and extra expense when this isn't even MY DEBT! I will start sending these certified letters soon if my credit score continues to plummet. This is disheartening what is happening to innocent people who work really hard and pay back anything they borrow. It is very sad, and I hope someone can make this right for me and my score. XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: NY
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:
If the XXXX credit bureaus, XXXX, Experian, and XXXX, are private and for-profit companies, why I am obligated to have my information with them? 

I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? 
Where is the US LAW that states that they can not remove my personal information at my request?

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 2021-12-28
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2017-01-09
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount owed is much less than stated. XXXX must also take into account the they they had preached the trust and agreement between them and i. Therefore forced me to incurre various charges to move to a new carrier. Therefore ammount requested is wrong and baseless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
The credit reporting agency is making it extremely difficult for me to submit my police report for identity theft. They keep releasing my credit report without my permission, yet they require my id for disputes. It makes no sense. There are numerous inquiries that are unauthorized and accounts that are n't mine. They are also reporting an address that does n't belong to me and they refuse to update my report. They tell me I need to upload my documents, then they do n't allow me to upload my documents. They refuse to let me dispute illegal inquiries and an address that does n't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - is not my address and never has been. These accounts are not mine Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute cart Show more Account name UNIVERSITY OF XXXX Account number XXXX .... 
Recent balance {$3500.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$3500.00} written off. {$3500.00} past due as of XXXX XXXX. 
These inquiries were not authorized by me Show more Account name XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX CARD Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX Date of request 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 2021-12-28
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit report and learned that Convergent Outsourcing, a third-party collector for XXXX placed a collection account on my credit report. I called Convergent Outsourcing and asked them why they never sent me a notice about the collections account. The Convergent representative told me that they sent a notice to an address where I have never lived and never received mail. The address began with XXXX. I have never lived at an address beginning with that number. I have not received mail at an address beginning with that number. I told the representative that she had a legal duty to notify me BEFORE posting to my credit report. The representative did not respond to that statement. The representative did not send notice to the proper address after I told her where I receive mail.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.

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 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Starting in XXXX XXXX I disputed adverse information on all XXXX credit bureau reports. I also disputed it with the bank XXXX. The issue was that I was in fact delinquent in my mortgage up to 60 days from the period XXXX XXXX until XXXX XXXX. Currently the Transunion report shows 60 days delinquent on one period XXXX XXXX. It does not show a 30 day delinquency at any time prior to that which on its face does not make sense. I received a letter from XXXX in XXXX XXXX showing the account history and the date of first delinquency of XXXX. The letter is attached to this file and according to XXXX the proper information was provided in XXXX XXXX Credit bureaus can not report negative information that is older than seven years. The seven years starts on the date of first delinquency. The letter attached clearly indicates the date of first delinquency and that it was delinquent at all times until XXXX when a modification was completed. If Trans Union entered the information properly provided by XXXX the delinquent payments would not have been reported since XXXX, XXXX. I also attempted to deal with this by phone with Transunion but the customer service representative did not understand the rules and was of little assistance. The fact that it was not resolved in XXXX has created a hardship. We recently had an opportunity to purchase a home. However an attractive loan product that would have been eligible for was not available because of the adverse information only contained on the Transunion report. The mortgage FICO score using Transunion information was about XXXX points lower than the other two bureaus. It resulted in being denied that product because of its stricter requirements.

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 2015-07-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a XXXX XXXX credit card a few times with all 3 credit bureau and all 3 claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TCF NATIONAL BANK
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
TCF BANK TOLD XXXX THAT LOAN NO XXXX WAS OK TO UNLAWFULLY RE-INSERT ACCOUNT WITHOUT XXXX DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A. THIS HAS TRANSPIRED XXXX TIMES OVER XXXX YEAR PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have contacted The Court, they said it was an computer error that reported me having bankruptcy for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The court said they did not verify or validated information, see attached letter

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 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all XXXX credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation