BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN is not INVESTIGATING PERSONAL INFORMATION and ACCOUNTS LAWFULLY, simply telling me they are verified is not the law. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''

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 2017-05-02
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im contacting you based on a letter I received from  Convergent for a  bill they claimed I owed to  XXXX   XXXX . I spoke with Convergent after receiving their first letter. They told me I owed {$60.00} for an early disconnection fee and {$18.00} for the cost of shipping the equipment back. I gave Convergent my debit card and told them I would pay {$60.00} for the early termination fee as I did close my account with  XXXX   XXXX  early but I dont agree with the return shipping charges. Simply put if  XXXX   XXXX  wanted me to pay the shipping cost of returning equipment why would they send me a box that had shipping prepaid? When I opened my account with  XXXX  I also dont remember agreeing to this as well. I explained this to Convergent when I paid the early termination fee so I dont understand why they would send me a letter stating their investigation process will not begin until I provide more information. I dont understand why I have to prove I owe this! Doesnt Convergent need to prove I owe this debt if I believe it to be invalid? I do n't understand why my conversation over the phone was not sufficient to dispute the debt.     Thank you for your help in this matter,

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 2021-12-20
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:
Unverified accounts on my credit report The credit agencies Never verified or complied with the rules of the FCRA ( XXXX XXXX  XXXX # XXXX ) AND ( XXXX XXXX  XXXX ) it's been way pass 30 days Please have them delete the unverified accounts. 
Thank you see enclosed proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX in XXXX Tennessee reported to Experian that I owe XXXX XXXX XXXX in XXXX. I obtained documentation from XXXX County Court proving that I paid in full the court ordered restitution in XXXX and sent it to Experian. Experian refuses to remove the outdated negative information from my credit profile that XXXX County Court waited six years to report, well beyond the statute of limitations for executing a civil judgment.

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 2017-01-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am disputing my Late Payment For XXXX XXXX because XXXX XXXX supposedly late payment was never on my report until i disputed my report regarding my Late Payment in XXXX XXXX. I was n't disputing it was late in XXXX. I recognize this but they went ahead and put more then XXXX payments late which is n't true. I told all XXXX companies I was going to get a Credit Attorney and Sue for not only falsifying information on my report but categorizing as ( XXXX ) payments late, when it never was. If it had been I would 've disputed. I also believe they may have been removed previously but after carefully reviewing I was n't 30 days past due in XXXX XXXX. My payments are DUE on the XXXX of the month and becomes 10 days late on the XXXX. The following month, if not paid by the XXXX or XXXX however 30 days works out then I 'm 30 Days Past Due and I have always manage to pay before then. XXXX also offers me a Skip Payment that 's moved to the end of my loan, whenever there 's a Hardship but they would n't in XXXX ... You can verify this with them ... 

Equifax & XXXX have updated my report as you can see ... ..because they know this was never there and actually took BOTH LATE PAYMENTS OFF ....

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 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX  and   XXXX   XXXX   XXXX   seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in  XXXX  and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized   XXXX   to pull our credit report  one ti me. Shortly after contacting  XXXX , we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED.  It 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s ),  that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers  credit score   XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and   XXXX   XXXX   XXXX   ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection , FTC and   XXXX   attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.

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 2019-10-20
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 a charge was made to my CitiBank credit card ending in XXXX to a company named XXXX. I did not make this charge nor authorize the purchase. I was unaware of this purchase until I received a statement the following billing cycle and my card has a significant change in the balance. I disputed this charge on XXXX XXXX and was credited the amount of the purchase of {$2100.00} as the dispute department agreed with me that the purchase was clearly fraudulent. On my XXXX statement I received a chargeback stating that the paperwork they sent me was never returned. I have proof that the email was sent and CC 'd to myself on XX/XX/2019 when I received it. The documents they provided me from the seller confirmed my suspicions of fraud. The items in question were shipped to another name, email address and phone number other than mine. The package was sent to a second-floor apartment at my address but never received by anyone there as I inhabit both units. The seller admits that the information did not match the credit card and knew the email was not working but decided to ship it anyways. The package was allegedly signed for however there is no signature on file from the shipper and the name captured was not mine and I live alone so there is no possibility of another resident of my home signing. I contacted to check the status the week of XX/XX/2019 to check on the status of the dispute. I was once again assured I would not be responsible for the charges as they were indeed fraud. It was explained to me that they would certainly decide in my favor and would not be responsible for the obviously fraudulent charges. I was told tomato no payments until they made a decision as the only balance on the account was that of this chargeback and the interest incurred. I still have yet to hear back from CitiBank and at this point they are now threatening to send me to collections for the balance. Attached you will find the paperwork that Citibank sent me, and I returned as they instructed. I have taken the liberty to highlight the inconsistencies and errors in the billing paperwork and shipping documents.

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 monetary relief
Consumer complaint received 2017-05-02
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to my previous complaint.   Consumer Financial Protection Bureau  ( CFPB )  :  XXXX  Ditech Financial LLC Account Number :  XXXX   Ditech  stated in there letter dated  XXXX   XXXX ,   XXXX   : Our records show, however, a new advance was assessed to your account on  XXXX   XXXX ,   XXXX  . This new fee, in the amount of {$29.00}, was assessed due to the delinquent status of your account. As servicer of your loan, we are obligated to protect the investors interest in property if an account becomes delinquent, thus an external property inspection was performed to determine the occupancy status. Please note that your  XXXX    XXXX   payment was due  XXXX   XXXX ,   XXXX  , but did not post to your account until  XXXX   XXXX ,   XXXX  .     This is an inaccurate statement as I have enclosed documentation from my bank showing when the funds were electronically with-drawn from my account, ( for  XXXX    XXXX   payment ) which was withdrawn on  XXXX   XXXX    XXXX  , instead of  XXXX   XXXX ,   XXXX   as stated in the above response from  Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My wallet was stolen in XX/XX/2014 and a collection bill for XXXX, an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.

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 2017-05-02
Company: Receivable Collection Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX / XXXX / XXXX  contacted the company regarding hyperinflation of debt. Collector states amount owed is  XXXX  and additional fees ( undisclosed as to where or what these fees are  XXXX   XXXX . When I asked why the balance so much higher than what I had previously been billed. They lied and stated I did not properly cancel my account. I informed them I have proof and that I spoke with a representative at  XXXX   XXXX  by the name of  XXXX   XXXX . The collection representative refused to listen to my concerns, would not allow me to defend my debt nor offer me solutions to obtain data to correct the amount. She constantly spoke over me in a rude tone and belittled me if not chastised me for having an account in collections. The last statement I received on  XXXX / XXXX / XXXX  via email notified me of outstanding balance due to  XXXX   XXXX  in the amount of {$100.00}. I feel that this was a method to fraudulently obtain additional funds from me through coercion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage that is currently being held by Statebridge Company, LLC. In XXXX XXXX they stopped sending me a paper mortgage statement. I wrote a letter AND called every month requesting a statement. They did not reinstate my paper statement until XXXX XXXX at which time it said that my mortgage payment was reduced. I paid the regular payment anyway in XXXX. In XXXX I received a statement saying NO PAYMENT DUE. I called and was told that the payment was indeed lowered based on an escrow analysis and that my taxes AND insurance were still being escrowed. In XXXX XXXX I received a new analysis and my payment had skyrocketed. They informed me that my escrow was short and that they needed to recoup their money. They also informed me that they STOPPED escrowing my taxes. I never gave them permission to do this. I also do not know what happened to all the extra money I was sending prior to learning that my payment was lowered. They 've totally screwed up my account and created a payment I can no longer afford. They told me I needed to buy a property I can afford and it 's not their problem. I have nowhere to turn and can not afford the higher payment. I escrowed my taxes because I can not afford a large lump sum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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:
CRA is reporting prohibited information. XXXX XXXX XXXX has furnished information which violates Texas Business and Commerce Code Section 20 et seq states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 5 ) a collection account with a medical industry code, if the consumer was covered by a health benefit plan at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider or a facility-based provider for an out-of-network benefit claim ; or The information furnished is exactly the type of information that the statute ( s ) prohibits : a ) the consumer was covered by a health benefit plan, XXXX XXXX, at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider, Texas XXXX XXXX, or a facility-based provider for an out-of-network benefit claim. 

On XX/XX/2019 I was admitted through emergency ICU for a life threatening condition. Texas XXXX XXXX ' ER doctor ( XXXX XXXX ) was an out-of-network provider. XXXX made a normal and customary payment to the provider and provided me with an EOB that indicated that my out of pocket would be {$56.00}. The collection company never notified me of the collections, and I subsequently discovered the collection upon reviewing my credit report and declined score. 

I disputed the information with Experian, who did not remove it. I have subsequently been rejected for home improvement loan by several lender specifically because of this collection appearing on 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 non-monetary relief
Consumer complaint received 2017-05-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XXXX  SS #  XXXX  DOB   XXXX   ADDRESS S   XXXX   XXXX   XXXX   XXXX    ,    XXXX   XXXX   , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX     XXXX     XXXX . Box  XXXX   XXXX , GA  XXXX    XXXX   XXXX      XXXX   XXXX   XXXX    XXXX , PA   XXXX   I recently pulled a copy of   my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  &   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX , FL  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 2017-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX / XXXX /  XXXX    XXXX  charges on my Bank of America Credit Card : {$89.00} charge from   XXXX   XXXX    {$89.00} charge from    XXXX   Disputed charges to Bank of America  They    took the side of the consumers Been fighting this with the Bank for well over 1 year submitting tons of information Bank turned me over to a  Bill Collection Agency    I turned to  XXXX   XXXX , Attorney General, Ohio His Department was able to get total refunds for me from both companies I have sent this money to the Collection Agency.     Have reported this to the Bank. They still have {$230.00} of late charges, bank fees that they will not take off by telling the  Bill Collection Agency  that I no longer owe these charges. My card has been closed since  XXXX / XXXX /  XXXX   but they continued late charges.

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 monetary relief
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Accounts are not validated and still are being reported

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 2021-12-20
Company: Sequium Asset Solutions, LLC
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: Account information incorrect

Complaint:
To whom it may concern.

Sequium Asset Solutions have placed a derogatory remark on my credit report claiming I owe the company a {$240.00}. The company claims the account was opened XX/XX/2021. 
I have not had any dealings or signed any contracts with Sequium Asset Solutions. I am requesting for Sequium Asset Solutions to remove every derogatory marks made on my credit, to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation