BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a victim of identity theft, I have XXXX knowledge of these collection medical bills.

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 2021-03-23
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX canceled my XXXX XXXX cruise and gave me a credit for {$390.00}. On XX/XX/XXXX, Barclay sent me check # XXXX. I misplaced the check so I asked Barclay to send a replacement check for {$390.00} on XX/XX/XXXX. On XX/XX/XXXX the they stopped payment on that check but I did not find out until XX/XX/XXXX. Then on XX/XX/XXXX they sent me a check for {$70.00}, check # XXXX. I have no idea where that amount came from since I was expecting the check to be {$390.00}. I deposited that check thinking it must have been an overpayment for something else. I got a notice from my bank XXXX XXXX XXXX that the check for {$70.00} XXXX XXXX ) was returned due to a stop payment on XX/XX/XXXX. My bank charged me {$10.00}. On XX/XX/XXXX I again sent a message to Barclay telling them that the check I received was not the amount I was expecting. I then called Barclay customer service and the person I talked to apologized and gave me 100 points for that bank fee of {$10.00}. She also said they were going to replace the check I lost and confirmed it was going to be {$390.00}. This occurred around the end of XX/XX/XXXX. On XX/XX/XXXX there is a credit for & XXXX and then on XX/XX/XXXX they sent me another check for the same amount of {$70.00}, check # XXXX. I still have this check and did not deposit. I once again called them about the {$70.00} and again said the check was suppose to be for {$390.00}. I was again told that I would receive my {$390.00} check on XX/XX/XXXX. I received a check for {$130.00} - no idea what this bank is doing to me! On XX/XX/XXXX I found the missing check for {$390.00} and not realizing that a stop pay had been put on it I deposited it and again it was returned by my bank, charging me another {$10.00}. I feel I am getting nowhere with my requests since this has been going on for 5 months. I have made numerous calls to their Customer Care department asking to speak to managers about this issue. Even the managers told me I was going to get a check for {$390.00}! Barclay can check my call records showing the above. 
So on my statements are these amounts XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( {$70.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX idea what this is for!

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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
These are not my accounts, names on file, authorize any of these companies to run my credit, nor did I live at these addresses. Please remove them.

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 2020-01-18
Company: Machol & Johannes, LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit card was opened for my Company, XXXX  XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX and XXXX in XX/XX/XXXX to contact XXXX XXXX to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for XXXX XXXX admitted they couldn't prove I was personally liable. 

This was a company card, NOT a personal account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I have a secure line of credit with Rushmore Loan Management Services. My credit line, with my house as collateral, is $ XXXX. The balance remaining on this line is now $ XXXX with $ about $ XXXX amount that is not used and remaining. In recent days access to my line of credit was denied by Rushmore for no apparent reason and no prior notice. My line of credit is fully secured with my house which at this time has over $ XXXX of equity. I even did not find out about being denied access to my credit line until they returned a recent check. My original line of credit was established with XXXX XXXX XXXX  and later sold to Rushmore. It seems Rushmore is not a very legit company. I XXXX and found multiple law suites against them with one by a Florida woman who claimed that Rushmore Loan Management Services committed numerous violations of the Fair Credit Reporting Act.

Is there a way out of this? I never thought i would be denied access to my own money specially with a credit score of over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Two rounds of dispute letters were sent to Experian on XXXX, XXXX, XXXX  and XXXX XXXX via certified mail ( usps ) in regards to XXXX  XXXX and XXXX XXXX reporting collection accounts which has not been fully validated with signature as requested. This collection account remains on my credit report despite not being fully validated.

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 2022-09-27
Company: LEXISNEXIS
State: NV
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:
They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

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

I have called many times and submit paperwork that this information on this report is wrong and not mines. No other reports show this information but them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my 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
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: AZ
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:
This company still reports debt that was already paid and my credit report on all 3 reports keeps reporting it. I have documentation proof that I dont owe it, I attached the documents below

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 2020-04-17
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-17
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-08-03
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Spoke with Transunion for 8 months straight about fraudulent/unauthorized inquires on my report that were not authorized by me and they will not remove the inquires, i have spoken with over 20 different representatives and sent more then 9 letters and they will not remove the unauthorized inquires on my report. 

date XX/XX/XXXX1 usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX usps tracking number  XXXX XXXX XXXX XXXX XXXX XXXX the rest of the letters were sent by regular mail with a XXXX stamp

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 2021-01-17
Company: Nelnet, 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: Problem with personal statement of dispute

Complaint:
I had deferred my loan several times between XXXX/Nelnet. The loan was sold back and forth between both sister companies. I became XXXX XXXX through the veteran affairs and applied to have my loan XXXX under that program. 

The collections was removed from the three credit bureaus but has been added back to as delinquent and past 120 days, which is hurting my credit score as a XXXX XXXX veteran. 

This has caused a great hardship and has made it impossible to obtain a home loan using my VA benefits. 

As a service connected XXXX  veteran I have been unable to obtain gainful meaningful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i open my account on XX/XX/2021 i made a deposit of {$100.00} for my new account. 
further more since i just started with my new account i ask was their anything uncommon i need to be advise of on this account checking. the answer was ( no ) after i ask more question about my new account what are the great features. there was nothing special to say so i left with some checks and new paper work in my account. i called on my second day to set up online bank with the bbt i was told ( no ) they was unable to help since they didn't feel like working go to the branch or call back later on when they are not busy. my account has been locked for months with zero help from ( bbt ) so i can check my account get help instantly i was denied help as a new customers.. thats poor customers and the ball been drop more times!!!. pictures will be uploaded.. don't miss used a new customers with games and poor customers services skill and don't use we had software updates or errors in the system as a ( excuses ) be fair and honesty with people none these charges should be on my account at all. since i never able to sign up for my account at all or able to address anything or view my account needs at any given 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 2020-04-17
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I filed my first unemployment clam on XX/XX/XXXX. It says that your card will be mailed out the first week you clam for benefits and it will take 7 to 10 days to receive in the mail. On XX/XX/XXXX i received a email saying that my replacement card is on the wat depending on the time and day tracking info be available. There was no tracking number or how it was mailed. XX/XX/XXXX i called was on hold 2 hours and hung up on. I try to contact via email or wedsite and cant because i don't have a card number. XX/XX/XXXX called 4 times got hung up after i finally get thur the 5 min automaton system. On the XXXX try i finally got put on hold for 2 hours and got hung up again. On XX/XX/XXXX called and was on hold for 1 hour and got thur to talk with someone. They told me i should of received my card the day befor and adviced me to wait to see if the card came that day. It did not come so it tried calling same day and yet again on hold for 2 hours and hung up on. XX/XX/XXXX, and XXXX same thang on hold for 2 hours and hung up on. Its very frustrating because i lost both jobs due to covid-19 and i have no money to pay my bills but i have over 2,000.00 from unemployment but can't get my money because i have not received a card and can not get a hold of the company to let them know i haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: TN
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:
In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to this company notified them that these accounts listed do not belong to me. 
I did not own a vehicle at that time I never applied for car insurance nor did I default on car insurance 5 to 6 times.

I contacted the company to provide proof that these accounts belong to me I instructed them provide investigation proof I demanded that my rights not be violated as they are being done by this company.

They have multiple listings for this company These reportings were never contacted by me from the car insurance company, the original applications formed to create these accounts, The proof that the car belonged or was financed by myself, they never did.

They sent ALL of this information to a credit reporting agency without accuracy, which is a violation of my Federal Rights.

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 2019-05-28
Company: EQUIFAX, INC.
State: IL
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:
I have recently been informed that there is negative information reported by XXXX Bankruptcy XXXX Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Discharged Chapter XXXX Bankruptcy Reference # XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.

Company response to consumer: Closed with explanation