BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2016 I received a correspondence from Bank of American stating that my credit card account ( XXXX ) is being closed by the bank for irregular activity. My credit line is {$47000.00} and I made a small purchase around {$3000.00} at a local liquor store. I called and spoke to a manager in the credit department and what I was advised was that the merchant where I used it at was a red flag, therefore the bank decided to close my account, and final decision is that they will not be able to reopen my account. I feel that my credit card account is being closed for a reason that is out of my control, and it has nothing to do with my credit, nor financial status. I believe no individual has control and knowledge as to where to use a credit card that is not a concern for Bank of America. I will like to have this information reviewed and I strongly request to have my account reopened so I may be able to continue my relationship with Bank of America.

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 2022-05-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX, XXXX reported an amount of {$19000.00} as the alleged balance on the account to Experian however, the amount that XXXX stated to me was owed is {$19000.00} in its initial communication.

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 2016-08-31
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I am US Citizen and made a transaction from website online to send money via western Union having MTCN number XXXX amount {$290.00} USD on date XXXX XXXX, 2016 through my Debit Card to my father In law/friend XXXX XXXX in XXXX XXXX, XXXX XXXX during XXXX XXXX, but I found he was not there, then very next day I request to cancel the transaction via western Union and submit the Information in details, but they are asking receivers Photo ID. I have no Photo ID of receivers side. I have all information of my Self legally but not from the receivers side. Now they saying they can not send me my Money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
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:
Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX XXXX XXXX. Box XXXX XXXX, XXXX XXXX Attn : XXXX XXXX Re : Account Numbers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX ) Re : Social Security No. : XXXX The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting associated with my Social Security Number to the XXXX credit agencies and remove all late reporting as my loan was transferred to several collection agencies while I am trying to pursue work-out options for my private student loan. As I have accepted your agreement on a debt settlement and had my attorney confirm the details in writing and have yet to receive final confirmation from XXXX on the terms. Over the years I have filed pleas to whereby I could make payments more affordable and filed numerous complaints with CFPB to resolve this very serious matter. 
Recently, I have begun search for a more financially rewarding career with promotional potential within the Federal government and it has come to my attention that my late payment ( s ) with XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and getting security clearances. In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ) and removing duplicative entries by the third party collection agencies. I sincerely hope XXXX Bank home mortgage believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. While I understand that it is true that I have been late ; gaining meaningful employment with a salary whereby I can repay my mortgage documents that I am making definitive and positive strides. I would be happy to furnish my job applications and interview logs where I have been competing against XXXX applicants and securing XXXX and XXXX interviews within the Federal government. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing on if consideration can be granted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have contacted Experian three times regarding the same information which was removed and once again shows up. the other XXXX agencies have kept the information off once corrected. I had an account that was discharged in a bankruptcy in XX/XX/XXXX or XX/XX/XXXX with XXXX XXXX XXXX XXXX now known as XXXX XXXX, that keeps coming back as written off. the last time this was to be corrected was in XX/XX/XXXX. A bankruptcy can not stay on a report for over 10 years yet Experian continues to report this information well over 10 years later. 
I am at a lose as to what it will take for them to remove this information Permanently as it should have already been. 
When I contact the credit union and they tell me they have not reported anything to Experian since the banktruptcy.

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 2022-05-29
Company: Experian Information Solutions Inc.
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 XXXX XXXX Charge amount XXXX, XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX  charge XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right 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

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 2022-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 Capital One has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent Outsourcing , Inc. has been repeatedly calling me for at least a year now as well as sending letters in the mail. 

The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a XXXX who suffers from XXXX, and these calls cause me constant XXXX to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Convergent Outsourcing , Inc. has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.

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 2015-08-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I 've sent over XXXX different dispute letters to Experian, and while all the other Credit Bureaus have removed the items from my credit report, Experian refuses to even respond to my dispute letters ( which means every account I disputed should come off XXXX. On top of that, I 've called some of the accounts that are still reporting to Experian, and they told me that they 've already requested that Experian delete them ... But Experian does n't do it. 
Please be clear, I am not asking for Experian to now start the disputes on these accounts, I 'm requesting they be deleted, immediately. 
Accounts:1 ) XXXX XXXX - Paid before it went to collections - Deleted from XXXX XXXX2 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX3 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX4 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX5 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX # XXXX, XXXX  XXXX # XXXX, and XXXX XXXXXXXX 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

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 2022-05-29
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: Personal information incorrect

Complaint:
There are multiple incorrect versions of my name, also a completely incorrect name on my credit reports. There are multiple incorrect addresses and incorrect employment history.

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 2022-05-29
Company: EQUIFAX, INC.
State: TX
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 Name : XXXX XXXX XXXX, Account Number : XXXX & Account Name : XXXX XXXX XXXX Account Number:XXXX have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a form for a XXXX, a mortgage assistance program, to my mortgage servicer, Bayview XXXX XXXX XXXX. At this time, my mortgage is at XXXX XXXX % and the monthly payment represents more than 65 % of my gross monthly income. I started the process XX/XX/2016 and now after XXXX representatives and sending all the documents needed. It is clear to me that they have not presented my documents to the government program, XXXX. It is clear to me that Bayview XXXX XXXX is catering to the investor who is holding my mortgage, XXXX. With interest rates so low, why would they release my mortgage to be amended under the XXXX program. They did n't submit my application and denied my request to submit it. I tried to refinance but my income is too low so I was denied. I have been paying for 11 years and am current but it is very difficult for me at this time to continue paying such a large portion of my income to stay in my house. The government should be going after the loan servicing companies because they are abusing people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have paid my bill on time every month and it was never updated on my credit report. The loan is now completely paid out and the whole balance is still showing. This account should be closed with a {$0.00} balance.

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 2016-05-26
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have had several debt collectors trying to collect on an obsolete credit card debt. It has been over 10 years and still they try to collect on this debt. Now they are using official Superior Court of XXXX XXXX court forms. Illegally. I look up the Court Case Numbers and they are always unknown or false. The whole thing is a wrong. They say they filed a Notice of Levy, but it is a lie. It is a way to scare me into paying them. I think this is criminal. I am wise to them. I hope others are not falling for their lies. Look up the court case and ask some questions first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
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 XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXXXXXX XXXX # XXXX has violated my rights. 15 XXXXS.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

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 2022-05-29
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: Personal information incorrect

Complaint:
There are multiple incorrect versions of my name, also a completely incorrect name on my credit reports. There are multiple incorrect addresses and incorrect employment history.

Company response to consumer: Closed with explanation