BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

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 2017-04-05
Company: Ascension Point Recovery Services, LLC
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number : XXXX keeps calling me since my Dad died in XX/XX/XXXX. There are NO assets. There is NO will. I am not an executor. I am NOT responsible for his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Financial Assistance Inc
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I did n't give permission for this car to be put in my name. I was taken advantage of while having XXXX and being out of my mind on medications and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed to pay a debt that is not mine

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 2015-12-28
Company: Allgate Financial, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have lived at this address for 24 years and had my telephone number as long. 

AllGate Financial , LLC of Illinois is trying to collect a debt from an person unknown to me, named XXXX (? ) XXXX. 

Per AllGate instructions, I have contacted then telling them I am not the person they seek and the calls continue, several times a week. 

My number is on the " Do Not Call list '' and I have no business relationship with AllGate Financial I wish to log a formal complaint against AllGate Financial LLC for their continuing calls, even after being advised by me that my telephone number is not affiliated with whom they are seeking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received the attached letter from Convergent Outsourcing Inc . I was shocked to learn that I owe {$210.00} to XXXX for an account I closed with no dues over XXXX years ago. I called XXXX to inquire about the claim of Convergent Outsourcing who were acting on their behalf. XXXX had billed me for a cellphone I never received and other charges. I had never heard from XXXX since I closed that account. I received no bill, I received no claim for charges on a phone. They have now pawned off a fake invoice to a third party collection agency who are impossible to get a hold off. Their is no real person available on their contact number and they have not responded to my email dated XXXX/XXXX/2015 stating my concerns. I feel very helpless and cheated and after a lot of research online I contacted cfpb. I am a XXXX and my credit score has been tarnished by XXXX 's fake claims. I can not apply for any sort of student loans or request grants owing to this. Please help me. I would be so very grateful. 

Thank you so XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX. changed the DOFD and the amount due. It took me a few weeks to research and find out if someone had used my name to get a new credit card in my name in XX/XX/2015. But I later discovered that it was the change of DOFD, the amount and making the old account appear new or more recent that put me on alert. I would like this inaccurate information removed from my credit 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 explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX Todays Date : XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion , LLC 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 Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, 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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed a dispute with XXXX with Trans Union/ XXXX that I have never been late on a payment, I have called 3 times to date to XXXX XXXX and they assure me that I have NO late payments, Yet credit agency states report is accurate. How do I get this off all my reports, I also have XXXX collections and XXXX legal reports that have been paid in full. XXXX paid in Full/ XXXX paid in full/ Legal item XXXX paid in full, and I ca n't get them removed and is showing negative on my reports

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 2016-09-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had a checking account with my girlfriend. Her ex husband had an account there also with her name on it. His account was over drawn so they took my money out of my account for his debt owed to the bank. I want all my money back his debt has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent XXXX a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company responded by writing that the loan had been transferred to another company. They did not provide proof of debt ( signature or otherwise and kept reporting on my credit reports. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion reported a tax lien on my credit report which is incorrect. I will send you documentation showing why. 

XXXX XXXX XXXX XXXX Docket # : XXXX COURTHOUSE XXXX, KY XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : STATE TAX LIEN Responsibility : Individual Debt Plaintiff : STATE OF KENTUCKY Amount : {$33000.00}

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 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom this may concern, I am writing to report that address information on my credit report is entirely incorrect. Specifically, according to TransUnion, I lived at " CEASE DESIST, XXXX, SD XXXX '' from at least XX/XX/2015 to present. ( Please see attached credit report ) Obviously " CEASE DESIST, XXXX, SD XXXX '' is not a valid address and it should be investigated and immediately removed. 

An investigation is required because I wish to know whether it was TransUnion or another financial entity that reported this clearly erroneous information that violated the Federal Fair Credit Reporting Act, consumer protection laws, and state laws. If this is a record inserted by TransUnion I want to know why this record was inserted and what justification TransUnion can provide - be specific as to why TransUnion believed that submitting a know to be false address to my credit report meets the " true and accurate '' requirements of federal law. If another financial institution reported this information, please provide to me the name, address, date, and contact information for the financial institution that reported this information. 

By putting/accepting, and maintaining known to be false information on my credit report, TransUnion and their affiliates have effectively barred me from opening any bank accounts that conduct an address / residence check by comparing consumer provided information to credit report record information. As the CFPB has become aware, locking consumers out of financial products is highly damaging and there is reason to believe that this behavior is widespread effective thousands if not hundreds of thousands of other customers.

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 2016-03-04
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called several times and will not tell me who the creditor is or what the debt is without my providing them with personal information ( my full home address, SSN ). 

I have not received any postal mail regarding a debt going to collection status.

Company response to consumer: Closed
Consumer complaint received 2017-02-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me at work. Went thru the XXXX Department to get hold of me. I told them that I had asked them to not call me or my husband at our place of work as it could jeopardize our jobs. They continued to try to work something out with me thru threatening remarks. I gave them the phone number of the debt company we are working with to help us. I told them that I could not discuss this with them, that they were to contact this company and they continued to harass me. I finally hung up on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On behalf of my dad XXXX who is XXXX years of age. I am requesting an investigation as to why XXXX accounts were opened in his name in XX/XX/2016. Personal Line of Credit in the amount of {$8200.00}, Personal Loan in the amount of $ 16,000.00and a Credit Card in the amount of {$2000.00}. He does not remember signing documents, he was diagnosed with early signs of XXXX. I remember him receiving several calls from a Wells Fargo representative female caller during the months of XXXX and XX/XX/2016 and messages being left on the answering machine for him to return their calls. He advised that they told him he could earn more money on his accounts. I kept asking him who and what are they trying to sell you and he advised they are trying to help me. Enclosed please find documents to support my request. There were withdrawals when the accounts were opened and he indicated he does not remember receiving the monies. Just recently I learned that several employees were trying to open several accounts during 2016.

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 2023-02-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me. I filed several complaints and police report FTC and I really would like to get this accounts removed as possible and delete it from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I need help.i I have an account with Robinhood Financial services with over two thousand dollars in it.I have been unable to access this verified Robinhood account.This company has no phone number or any way to contact a nonexsistant coustmer service.I have sent countless emails, changed my pin, my password, and sent a photo, front and back of my ID.with no response.This company is taking people 's money and not allowing them to have any contact.Please help me get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
LVNV Funding/Resurgent scheduled a judgement hearing without my knowledge. Additionally have sent it to XXXX different attorneys in XXXX different states. I found out about the judgement through an attorney advertisement stating a judgement has been filed against me. I have asked LVNV to verify/validate this so called debt I owe under the FCRA Laws and LVNV is unable to rightfully validate/verify what this so called amount I owe. Their false reporting and filing of judgements has caused severe hardships for myself and my family. I have asked them to remove from the credit reporting agencies since XXXX XXXX, 2014. They repeatedly send the same nonsense paperwork stating this has been properly validated. They admitted to sending the judgement to a wrong address they had as my address. This is not my debt I have never lived at the address they say. This company should be reported and stopped from harming the United States public. additionally ruining lives and harming families. Also LVNV is in violation as re-aging the account. Not reporting the accounts to the CA 's each CA report shows the account as different types, dates, amounts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is 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 2022-08-04
Company: EQUIFAX, INC.
State: CA
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I just viewed my results from experian and noticed that they re-inserted information that was previously corrected. My XXXX account/XXXX was reporting as accounts that are in good standing. I submitted a letter that I received from XXXX stating that my account was never paid 30 days late back in XX/XX/XXXX and to please correct my credit report. Experian corrected it the first month now I just noticed they put this account as " accounts that are considered negative '' with a 30 day late payment in XX/XX/XXXX. This is not right. I had to contact XXXX to request this letter from them then send the letter over to experian to have this information corrected and now they are reporting it again in accounts that are potentially negative and should go to a positive status in the year XX/XX/XXXX. I just tried to dispute this information again with experian but the system would not allow me to do so. I am submitting this complaint about experian credit reporting agency because they are affecting my credit score by re-inserting an account into negative when I provided substantial proof to them that this account should be listed under " ACCOUNTS THAT ARE IN GOOD STANDING ''. I never had a late payment with mandee 's credit card so the information experian is reporting on my credit report is wrong. Again I have to go through the process of submitting this letter to them again wait 30-45 days and hope they correct my credit report. I have spent so much time and effort and letters along with my time in trying to correct the incorrect information that is reporting on my credit file. Experian is a horrible credit reporting company.

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 2016-07-06
Company: Netspend Corporation
State: MI
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
1 hour after using Netspend 's mobile checkload service, an unauthorized charge was made at a XXXX in XXXX to my account ( I live in XXXX and have never been there ). When I attempted to log in to my account online to seek more information, a message appeared saying that there was a " problem with my account '', and asked me to contact their customer service number. When I did, I was on hold for 30 minutes, and the representative I eventually spoke to inquired about a purchase made at XXXX, a chain of stores I have never even been inside.I was then told that I would need to take this up with the risk department, which was at that point apparently closed. I asked about my account balance and for more information about the XXXX charge, and the representative told me that she could not provide any more information. I am still locked out of my account and my netspend card does not work. I have no access to my money and have no way of tracking the fraud that was seemingly taking place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
In continuing with # Case number : XXXX the second check in question, number XXXX was never received by me, and as I understand it, this check was fraudulently cashed. I never authorized or saw this check in question. 
Barclay Card Services must investigate this issue. Please contact me for any questions. 

I will be faxing the check with my letter of authorization within three business days, thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation