BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
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:
According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX  XXXX. account. This account is being reported on my consumer report without my written instructions. The CFPB XXXX  prohibits abusive and deceptive behavior in accordance with federal law. Please see the attached invoice and affidavits for the following Violations.

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 2017-11-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Account information incorrect

Complaint:
Bayview Loan Servicing reported inaccurately the payments made. The payments were done within the due date and they reported as no payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I lost my job and fell behind on my payments, I contacted the mortgage company for help and they wouldn't work with me personally. I kept calling them until finally they offered me a modification, but then denied it because I didn't have the income. 

In XXXX I received assistance through XXXX with the XXXX Keep Your Home Ca. the paid XXXX towards my mortgage payment as soon as I was employed I contacted XXXX to revisit the modification again I was denied and the only option given has been a short sale and was told there wasnt enough income., I appealed a still the same option short sale. 

In XXXX of XXXX I began renting a room out in my home to gain additional income I secured the lease and showed the payments from the rental through my bank statements again the option presented was the short sale. So I appealed again in XXXX of XXXX this has been the ongoing process each year and each time the only option I qualify for is the short sale. 

In XXXX of XXXX I applied short sale option given each time I would call to speak with my home preservation agent she would only state my title wasnt clear I knew that XXXX had a XXXX for 5 years to erase the monies paid that was cleared late XXXX so again I apply and was given the short sale option In XXXX I took another full time job giving me XXXX jobs and I applied and was given the same option of a short sale, I attempted bankruptcy to pay the arrears and current monthly payments since my mortgage would be the only debt I have it was a payment of $ 2800 monthly and my other expenses proven to be a lot and in early XXXX it was dismissed in an effort to save my home XXXX XXXX loans reached out to me stating they work with XXXX to work on my modification and after me sending monthly payments totaling XXXX and to no avail they wanted another payment I never heard from them or from XXXX I applied and received the short sale option. I then tested positive for XXXX XXXX in XXXX of XXXX and did not return to my other full time job I applied was given a short sale option and facing foreclosure. 
Just recently applied again twice within XXXX with the same option. I just want to remain in my home I havent qualified for any other programs to help me remain in my home maybe putting those arrears on the back end and allowing me to pay my monthly payment definitely since the rates have drop taking my home or giving it away in a short sale is not the best option for me. I work a full time job a part time job and have a renter I have the income to remaining my house short sale is not an option I do not wish to become part of the homeless population my credit score is not the best and I need a chance to prove that Im able to make my papyments and to pay them on time.

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 2017-07-05
Company: EQUIFAX, INC.
State: ND
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 am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am having an issue with a XXXX membership cancellation. I signed up for a XXXX on XXXX and informed them that I will be moving and canceling my membership on XXXX, agreeing to pay for the XXXX sessions on the XXXX date. In the contract it requires a cancelation 30 days prior which was made on XXXX. I was then charged for an additional XXXX ( {$410.00} ) even though I informed XXXX members of my move and cancelation. I have since been charged for XXXX on XXXX and was told they will charge me again for the XXXX session. Totaling {$830.00}. I now have been charged an additional {$63.00}, {$67.00}, and {$78.00} on XXXX. XXXX knew about my cancellation yet somehow decided it will be alright to charge 2 extra month XXXX ( technically 3 ) and I was told that it was my fault and that I should lawyer up. I have a screenshot of my conversation with my trainer agreeing that he spoke with his manager about canceling my membership yet I have been charged anyways. I will dispute this with the bank as well but this needs to be resolved and should not happen to other members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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: Old information reappears or never goes away

Complaint:
XX/XX/2019, XXXX XXXX  agreed to do a pay for delete on a charged off bank account I had. Once I paid, they refused to follow the proper chains to have everything deleted. They are a rip-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 2015-09-29
Company: Convergent Resources, Inc.
State: ME
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:
I am a XXXX year old XXXX XXXX XXXX, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My XXXX is very poor and my future is bleak! 

I have received a communication from Convergent Outsourcing Inc. telling me that I owe {$6700.00} from XXXX through XXXX, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2017 I received a call at XXXX PM from XXXX XXXX, from Convergent Outsourcing XXXX XXXX on behalf of XXXX. She asked me to verify my name and address, which I refused to do, and the caller ended the call. I have since been waiting to receive the letter that is required to be sent after contact in an attempt to collect a debt. No such letter has come to my home. Today I received an alert from my XXXX XXXX that a new account is reporting as a collection from Convergent. 

Convergent has deprived me of my chance to dispute this debt or request validation, by not sending me the required letter within 5 days of contacting me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Applied for credit with XXXX and was told that I had to lift credit freeze with Transunion. Freeze due to past employer disclosing personal information. 
Attempted to sign into Transunion and was told that authorization code was emailed, but it was never received. Email address is correct and I have received emails from Transunion in the past. Called Transunion at XXXX and XXXX, and was not given option to speak to a representative. When I input my data in their automated system, the data was not read correctly ; my ss # has three repeated digits and their touch tone system only reads two of those. They now locked my account, because they could not verify all of my information.

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 2019-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I CHECKED MY CREDI REPORT AND FOUND 2 FRADULENT ACCOUNTS ON MY REPORT FROM THE SAME COMPANY XXXX XXXX CO I DON'T EVEN KNOW WHAT THIS COMPANY IS

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 2022-04-14
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-04-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received an email stating I had a receipt for the purchase of " XXXX XXXX '' in the amount of {$190.00}. I immediately logged into my Chase checking account and noted the pending transaction. I then called Chase right away to alert them that someone had made a fraudulent charge to my debit card and to please freeze me account, file a dispute for the charge, and send a new card. They did all of the above. However, to my surprise, I received a notice on XX/XX/XXXX that they " found that the transaction ( s ) was processed correctly or was authorized. As a result, we are removing {$190.00} from your account on or after XX/XX/XXXX. '' I immediately called chase again and asked them to explain why a fraudulent charge was being removed from my bank account. Their response being, and I quote, " because the company was able to provide your email address as proof that you made the purchase. '' What?! This is why Chase allows fraud companies to steal from their clients? I could find anyone 's email address on XXXX if I wanted! I explained that I had moved from the address that the item was being mailed to, a month prior to the purchase. Why would I order something and have it shipped to an old address, literally across the country? To be clear, I moved from XXXX  on XX/XX/XXXX to XXXX XXXX. This is evident in the official change of address provided by the Postal Service. The Chase representative stated again, because the company was able to provide my email address as proof that I made the purchase. This makes no sense. Chase allowed a fraud company to steal {$190.00} from my checking account. I will be closing my Chase account, however, not before I get the money I worked for, back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$0.00}

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 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am a victim of fraud and Identity theft. I filed a dispute with Transunion and the dispute was verified as accurate. I sent a method of verification letter to Transunion via certified mail which was received on XX/XX/2020 my tracking number is XXXX. It is now pass the 15 day period that they have to respond according to FCRA 611, and Transunion has failed to provide me with a method of verification letter. meanwhile this fraudulent information is still appearing on my credit report. Transunion needs to remove these inaccuracies asap as it is already damaging, since they failed to meet the required deadlines they are NOT in compliance with the FCRA!! I will excise my right to sue Transunion under FRCA section 616. This isn't right!

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable transunion and XXXX  still reporting the account

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