BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Last year I told consumerinfo.com that I did not want or order their services. They refused my request to terminate their unwanted services so I terminated my Experian account to get rid of them. I restarted me Experian account to basic and all of the sudden I got an alert from my XXXX XXXX account that consumer info.com charges my XXXX XXXX card AGAIN on XX/XX/2022 without my authorization of knowledge. I dont want anything to do with consumer info.com or any of their affiliates. I have tried to contact them in which they put me on endless hold times and I also contacted XXXX XXXX who reimbursed my account and they blocked consumer info.com from all of my accounts. Hence, this is the reason for my formal complaint with this aggressive, bottom feeding and predatory company. Thank you.

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 2021-10-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 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.

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 2020-03-05
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Us bank calls me every day on my credit card. My payment will be one month late and each time I talk with them I told them I was going to pay a large amount at once due to my house being sold. They hoards me sometimes calling two and sometimes 3 times a day. This is total harassment. I've told them I had a XXXX XXXX and had to change jobs it's XXXX XXXX XXXX. I want them off my back I reccomend nobody uses bank credit cards or morthage. They are not people friendly

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 2016-07-19
Company: EMBRACE HOME LOANS
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Embrace Home Loans Mortgage Company and XXXX XXXX XXXX XXXX fail to address my request for PMI removal. Attached is my XXXX XXXX, 2016 letter which outlines the correspondence I had as well as documentation that had been provided to Embrace. 
In response to my XXXX XXXX, 2016 letter I received a call from Embrace on XXXX XXXX, 2016 which I returned the following day. During the call I was informed that my PMI removal request was again denied. During that call, I was told I needed to provide information related to significant improvements and that I needed to authorize an appraisal. This request for information is consistent with the mortgage insurance removal request form Embrace provided with their letter dated XXXX XXXX, 2016 in which I provided in my XXXX XXXX, 2016 letter. I informed the Embrace representative that information on the improvements as well as authorization to proceed with an appraisal had previously been provided to Embrace in my XXXX XXXX, 2016 letter. When I pointed out to the representative that I had already provided the requested information and authorized an appraisal the response was that the representative merely received notice that my request had been denied. 
I requested a written response from Embrace during the XXXX XXXX, 2016 call and was told I would receive a written response from Embrace within one week. I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-31
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Ok, I checked my XXXX credit report, and these XXXX are harassing me for {$6.00}!!!!! REALLY?!!! I HAVE NEVER EVER seen these providers in my XXXX life, I do not wan na hear a XXXX thing about contacting the police either, bc I have already done that. I have spoken to several reps about this, all XXXX were rude, one of them asked me a question abt Medicaid and XXXX. It 's none of your XXXX business what insurance I have, also ... the police DO NOTHING abt ID Theft unless your XXXX is famous!!!!!! That does not work!!!!!! I know XXXX other people that have had the same stuff happen, and they did nothing ( the police ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Receiving collection notices in my name for medical debt incurred by my granddaughter who is XXXX years old and has nor lived with me in over five years. I have told them not to contact me since I have no information about the debt or her whereabouts. I consider this harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
CMRE Financial Services ( collection agency ) has classified my account with them as in Default, however I have proof of payment via my HSA with XXXX XXXX XXXX that my payments which actually exceed the amount agreed upon, were in fact mailed to them within the XXXX days of last payment. Their letter is generated when payments have not been received with the XXXX days. However, I have mailed them XXXX payments, XXXX of which were within the time indicated but the agency has not cashed XXXX out of the XXXX checks or posted them to my account. I called their account specialist, who just wanted to over talk me and repeat that they do n't have my payment. I have copies of the checks that were sent to them by XXXX XXXX XXXX. Do I have any rights, even when an account is in collections to expect that my payments are accurately posted and in a timely manner? 
Thanks you for your assistance, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the third time that Convergent Outsourcing Inc has placed the same collection on my credit report, both XXXX and XXXX. I have taken it off twice. They called asking for social security number and I would not provide. I contacted XXXX the supposed creditor. They informed me that I had no collection or account with them and that the information being provided from Convergent Inc was false and that I should not pay. Since this is the third time they have placed the collection on my credit report, I am having a difficult time removing it. When I notified them what XXXX said they did not do anything unless I provided my full social security number. I gave them name, address, phone number, but did not give them my social security number. I am in the process of fixing my credit and this false collection has lowered my score XXXX points. I am tired of dealing with the same collection agency over the same collection that does not exist. Please do something. The guy on the phone sounded annoyed I would not provide my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick XXXX because my situation is based on the legal right to operate in the State of XXXX as a debt collector and Convergent Outsourcing does n't have the right to collect debt in the State of XXXX. I am going to provide you with the XXXX I sent to them, I am going to provide to you the research from the State of XXXX Debt XXXX Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
i have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX XXXX Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2020 I sent a second dispute letter to XXXX XXXX XXXX and XXXX  credit bureau regarding a collection/charge-off that was opened in 2020. XXXX  is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2021, I noticed that the social security lien was still reporting on my Experian credit report. I didn't notice before because Experian is the only reporting agency reporting the old social security account. 

On XX/XX/2021, I mailed a letter to Experian letting them know that this information was not correct. I received no response. 

on XX/XX/2021 I mailed a second letter letting Experian know that the social security account was not supposed to be on my credit report due to a mistake. I even mailed Experian the letter the social security administration sent me clarifying that it was not my fault. I received no response. 

On XX/XX/2021, I wrote a third letter letting Experian know that I haven't received a response and this can't be right. I then received a letter from Experian stating that my investigation could not be complete and that the social security account will remain on my credit report. 

It seems as if Experian didn't even investigate because the letter from the social security administration states clear that the account was not my fault and shouldn't go against my credit report.

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 2021-08-24
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:
Equifax ( EQ ) is violating my rights under the FCRA. Over the last 3 months I've disputed XXXX XXXX XXXX XXXX ( XXXX ) Business credit card listed on my report. I sent the data furnisher requests to validate the account and they have failed to provide me any details verifying the legitimacy of the the alleged account. All correspondence sent to XXXX  was sent certified mail. ( which I have all records of their receipt ) I requested for proof that the account in question was valid and IF XXXX  were the holder in due course. XXXX failed to provide me any validation of the account. In my correspondence to XXXX, EX was carbon copied on each one. EQ did alleged did their own internal investigation of the XXXX  account. In their own investigation, EQ claims they verified the account. In each investigation where EQ claimed they verified the account, I have requested EQ 's method of verification. As of XX/XX/ they have still failed to provide any detail report on how they verified the XXXX  account. EQ has not provided me with any details on who they talked to, what documents were reviewed, where they found a signed legal contract bearing my signature, shown me a legal contract bearing my signature, etc. I have not received any type of information which would prove this account was valid & belong to me. 

Additionally, the alleged XXXX  account was opened without my knowledge, consent or authority & believe is fraudulent. Since EQ can not provide me ANY details to this matters I need this issue resolved using your assistance. EQ is in violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I lieu in my suing them for federal & state violations I'm requesting you can assist in getting the XXXX  removed from my credit. 

Lastly, XXXX has removed the XXXX  account without any incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Convergent Resources, Inc.
State: TN
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 have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years.Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have 18 to 20 inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cancelled service with XXXX XXXX on last day of billing cycle XXXX. I called and they were having phone issues and couldn't get through so I emailed them at XXXX. I called back the next day to confirm it was cancelled on XXXX and they said they couldn't accept cancellation that they would cancel today but wanted to see what they could do to keep my business. They could have cancelled they just chose to bill me for another month when there system wasn't working on the last billing cycle day. I had spoke to them almost 3 days a week trying to fix constant issues with them prior to XXXX. I told them It has been the worst service I've ever had in the last year and I have purchase XXXX. I was paid up to XXXX because billing was month in advance. They sent me a new bill for XXXX XXXX XX/XX/XXXX XXXX. I did not have service nor had any equipment hooked up with them. I have disputed this multiple times with them and several collection companies where it was approved and removed from my credit. Then my file gets sold to other companies and it starts over again. I have reached out to them and XXXX XXXX again this year which XXXX XXXX was going to send out documents for me to fill out but I never received them nor understand what the lady was saying she was sending out. I should not have to continue to file something when I proved my case over and over and it was cleared off my credit report. I sent in all documents and verified that the amounts don't even add up correctly. I don't know where they get 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 2021-01-26
Company: EQUIFAX, INC.
State: TN
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:
Equifax, XXXX, and XXXX have violated several federal and state laws regarding my right as a consumer to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, 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:
XXXX CREDIT BUREAU ' HAS REFUSE TO EXCEPT DOCUMENTATION FROM LOCAL LAW ENFORCEMENT AND FEDERAL TRADE COMMISSION TO HELP A IDENTITY THEFT VICTIM THAT HAS SUMMITED ALL ACCOUNTS THE PERSON HAS BEEN A VICTIM XXXX HAS NO COMPASSION FOR THE CONSUMERS THAT HAS BEEN VICTIMIZED BY CRIMINALS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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: Account information incorrect

Complaint:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

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 2021-08-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent several letters requesting a method of verification on XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 regarding them stating that the they validated the information on my credit report. I also provided them authorization for an additional investigation in which there were no results received. I would like for a valid method of verification that the invalid information is indeed mine that they have not removed from my credit report. If they are unable to provide the method if verification the information needs to be removed from my credit report. I also sent a demand letter requesting they provide the method of verification & correct the errors & nothing has been corrected.

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 2022-03-14
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I dispute 2 accounts that are was open fraudulently and Equifax not only did not send me the method of independent investigation they use, but they also still reported the account in my credits, and I send the copy of the Identity theft. The Accounts is XXXX XXXX # XXXX and XXXX XXXX # XXXX

Company response to consumer: Closed with explanation