BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is involved in a financial scam creating fake accounts using customer information and selling those accounts to debt collectors in order to generate a profit. I have tried to contact them in order to remove the fraudulent account, but they refuse to have any leadership look into the problem, then have customer agents tell me the account is closed and satisfied, but when I ask for paperwork to give the collection agency they hang up on me or tell me I dont need any. The fake account is a charge for {$130.00}. Issues like this happen every single time we have updated an address with them we receive things like, insane fees, incorrect charges on our account, randomly multiple fake accounts appear, degrade our service and then blame us for it and refuse to actually solve any of those issues or lie and say that the issues are resolved when they arent. They have even come out to our home and removed a splitter in order to cut our service while it was active and in good standing! We have only ever had 1 account with them and it is current. Any assistance you can provide is greatly appreciated.

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 2015-05-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
hi my name is XXXX XXXX I 'm running about Td Bank I 've been having a lot of problems with them then I willing to work with me in any way to try to settle the amount however they want me to pay them and I have n't received the bank statements nothing that would help me to see how much I have paid for what I 'm being charged they can be adding anything they want it really stinks because I reached out to their lawyers they were more helpful in the bank every time I call the customer service to telling me that they can help me that I have to call a separate number I call the number I ca n't even get ahold of anybody it 's always the same thing have to call during certain times is very frustrating. I need help why ca n't get amount as to what the are charging me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: ACIMA CREDIT, LLC
State: IN
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:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with the following creditors and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

ACIMA CREDIT FKA SIMPL  XXXX US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Genesis FS Card Services, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
There were several fraud transactions from XXXX thru XXXX. I contacted the bank and advised them of all the fraudulent transactions and they said they would take care of them and to expect my replacement card in 2-3 weeks.

3 weeks ago I saw my statement and noticed several of the fraud transactions still on the account. I sent them a copy of the statement and a dispute letter that the balance on the account should be XXXX. 

Again today I get a notification from them reminding me of an upcoming payment due - SAME charges listed same balance due. They did nothing to adjust my balance despite sending them a dispute letter letting them know none of the current balance belonged to me. 

Haven't received my replacement card yet - wondering why it takes 2-3 weeks to get a consumer a replacement card?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Rent Recovery Solutions
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did n't even live at the  XXXX   XXXX   XXXX   (  XXXX , WA )  during the period that they 're trying to charge me for. It 's extremely obvious that I moved out on  XXXX   XXXX ,  2015 . Anyone that can read the " Move Out Statement '' that they sent me can read that my Lease was over and I moved out on  XXXX   XXXX ,  2015 . Yet somehow they 're repeatedly sending me bills for  XXXX   2015 ? Even after I 've notified you that your information was inaccurate and you were harassing me with incorrect information???   This is causing additional  XXXX  to me during a period that I am in and out of the hospital for  XXXX   XXXX . I do n't owe any money at all and was given multiple assurances from staff at  XXXX   XXXX   XXXX  of this in  2015   ( yet two  years later I 'm still being harassed, this is ENOUGH ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Old information reappears or never goes away

Complaint:
I disputed XXXX XXXX ( Account # XXXX, XXXX ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), and XXXX XXXX  ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed.

I would like to see a new report showing this been deleted. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I disputed XXXXXXXX XXXX ( Account # XXXX, XXXX  ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me

within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed. I would like to see a new report showing this been deleted. 

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 non-monetary relief
Consumer complaint received 2016-01-15
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Upon reviewing a XXXX XXXX credit report pulled for the purposes of refinancing my home, I discovered several " new '' entries of supposed trade line disputes. I have successfully had all but XXXX of them removed. ALLY continues to refuse to work with me or prove to me that I initiated a dispute with their company. I have no reason to dispute this account as it is paid on time and has never been late. I did receive a letter of good standing on XXXX/XXXX/XXXX, but it did not specifically state that " the account was not in dispute ''. I have asked repeatedly for these simple words to be added to the letter, so that I can present it to the loan underwriters and continue with the loan process. This action by ALLY violates FCRA in that the company is blatantly reporting false information that is causing me harm. As of XXXX/XXXX/XXXX, XXXX of the XXXX CRAs are still reporting this, I initiated an investigation with XXXX and they quickly removed the erroneous dispute remarks. Both XXXX and XXXX indicate that the Creditor, ALLY is the source of the erroneous information. If it can be cleared up with XXXX, why is it still showing up on XXXX and XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently submitted XXXX certified letters containing police reports, identity theft affidavit, and a signed document from the XXXX XXXX XXXX # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX  Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX, 2016, I lost my job for filing a complaint of discrimination. I notified my XXXX/Comenity Bank credit card to activate my unemployment insurance card protection services. Which was done. Payments was made to the credit card lendor Comenity Bank. I was required to file periodic claim forms for the Insurance company. While at a " working interview '' I was contacted by a bill collector, XXXX XXXX XXXX XXXX " attempting to collect a debt for ComenityXXXX ''. I lost the job prospect due to them not getting off the telephone. I called them back to let them know what happened. It was brought to my attention that Comenity Bank/XXXX XXXX had charged off my account and sold it to them for collection. I explained everything to them and they verified that their records showed that the payments had been made to Comenity Bank/XXXX and that they wanted to collect the amount due. I was furious. This can not be legal. I faxed over a letter to Comenity Bank/XXXX demanding that that they correct this matter, repair my damaged credit report, activate my account/take the account back from the creditor and remove the charge off since they have been paid. To date they have done nothing and today I was told by XXXX XXXX that her supervisor said that I needed to contact XXXX XXXX XXXX XXXX to pay toward the account. 
I have the documents needed to support my complaint to your offices as well as the insurance claim paperwork-payments made from the insurance company to Comenity Bank/XXXX for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature

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 2022-04-21
Company: Experian Information Solutions Inc.
State: CA
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 act the list of accounts below has violated my federally protected consumer rights and confidentiality under u.s code 1681 XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights under 15 u.s code 1681 section 602 A states i have a right to privacy 15 us codes 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15.u.s code 1681C ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-21
Company: EQUIFAX, INC.
State: CA
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 act the list of accounts below has violated my federally protected consumer rights and confidentiality under u.s code 1681 XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights under 15 u.s code 1681 section 602 A states i have a right to privacy 15 us codes 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15.u.s code 1681C ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s code 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. 

XXXX. XXXX  XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

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 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is eagle loan company and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.

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 2022-04-21
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Submitted a complaint through the XXXX XXXX XXXX and advised this company they have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You XXXX XXXX. You have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Account # XXXX Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1.00} per violation. They ignored my request of cease and desist which is willful infringement and advise me the balance due was not owed to them, and was owed to the original creditor but are coming after me to pay them for alleged debt they confirmed was not owed to them. That is false and deceptive practices and I demand this be removed from my credit report or Im seeking remedies for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I started making payments through the online website XXXX for a debt that was owed. When I made the payments to them they provided a collection company Astra my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with Astra or spoken with them about the case. The funds should be placed back into my account, because Astra received information that should not have been provided to them to collect a debt. XXXX states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a business account with the Bank of America. 

On or about XX/XX/2021 - XX/XX/2021, XXXX XXXX  XXXX ( Client ) residing at XXXX XXXX XXXX, XXXX, VA XXXX I filed a fraudulent claim a transaction was initiated in my account resulting in the following transaction Type : Wire Amount of Transaction : {$2500.00}, {$5000.00} and {$1400.00} to a Recipients Bank in XXXX : XXXX XXXXXXXX XXXX XXXXXXXX and the recipient is XXXX XXXX  XXXX Details XXXX Transaction Type : Wire Amount of Transaction : {$2500.00}, {$5000.00} and {$1400.00} Clients Account Number ending in ( last 4 digits ) Recipients Account Number ending in ( last 4 digits ) Recipients Bank : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX Bank Of America still have not resolved my claim.

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