BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company XXXX XXXX has placed an account on my credit report for a XXXX account that was closed properly in XX/XX/2014. According to my contract with XXXX if I did not receive service in my home I was allowed to terminate. I terminated the account after several attempts to fix the service. I completed a XXXX complaint against XXXX in XX/XX/2014. This derogatory mark on my credit report is a violation of the FCRA.

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 2023-09-08
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX and Mohela continue to send me in circles and repeatedly send my complaints back and forth to each other without actually resolving the issue. 
As of XX/XX/XXXX, I received confirmation that all of my employment had been approved for PSLF from XXXX. I was told to " just be patient and wait '' for the payment count to be updated. XX/XX/XXXX, the payment count went up to XXXX, however, was still missing payments from XXXX XXXX. XX/XX/XXXX contacted XXXX and was told the complaint was escalated. I received no communication, so I followed up on XX/XX/XXXX with no resolution. XX/XX/XXXX called XXXX Ombudsman and was told complaint was sent to Mohela. XX/XX/XXXX phone call with Mohela told me that my payment updates would be made in XXXX business days. XX/XX/XXXX Mohela informed me that I was not in repayment until XX/XX/XXXX ( which is untrue ). They advised I contact XXXX. XX/XX/XXXX phone call with XXXX  Ombudsman, I was told that they " can see I was in repayment starting in XXXX '' and they did not know why Mohela told me otherwise. My complaint with them was still under review. XX/XX/XXXX I submitted documentation from XXXX ( previous loan servicer ) showing proof of payment on loans from XXXX. This was submitted to both Mohela and XXXX. XXXXphone call with Mohela, where they stated they were in the process of updating my payment count. Was redirected back to XXXX. XXXX call with XXXX  and told to resubmit another request for reconsideration ( I did so ). XXXXsubmitted another complaint, but XX/XX/XXXX it was closed without any communication. Was advised to open a new complaint -- did so on XX/XX/XXXX. On XX/XX/XXXX received email confirming receipt of complaint, stating that I would receive an update in XXXX calendar days. Reached out on XX/XX/XXXX because I had not received update. I was told that it was still open, but they were unable to provide updates or a timeframe. Sent another request for update on XX/XX/XXXX. XX/XX/XXXX received email from Dept. Consumer & Business Services ( and I had reached out to att gen for help with case ). They informed me that Mohela stated I was not in repayment until XX/XX/XXXX ( despite having documentation otherwise ), and they have referred the case back ( yet again ) to XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Company : XXXX XXXX XXXX XXXX : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my Report

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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'm a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called TransUnion to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Copy of transcript from XXXX XXXX, the identity theft protection service to which I subscribe : Hello XXXX, Attached is our XXXX XXXX XXXX XXXX, which is being sent to you regarding the unrecognized alert for SEQUIUM ( xxxxxx XXXX ) collection XX/XX/2022 ( XXXX ), SEQUIUM ASSET SOLUTI ( XXXX XXXX ) collection XX/XX/2022 ( XXXX ), XXXX XXXX ( xxxxxx XXXX ) collection XX/XX/2022 ( XXXX ). Be sure to login to your XXXX XXXXXXXX account at www.idwatchdog.com to review your recent 3-Bureau credit report before completing the kit. 

Please specify these on your police report, FTC report, and identity theft details page. 

Before completing the attached kit, you will need to contact the collection agency directly ( SEQUIUM XXXX, XXXX XXXX XXXXXXXX ) for specific account information, such as who the original creditor is. After speaking with them, if you still do not recognize the account or the original creditor our Identity Theft Resolution Kit may be completed for resolution assistance. 

Email the completed XXXX XXXXXXXX XXXXXXXX XXXX to begin the resolution process. Reply to this secure encrypted email when your documents are complete. If you have any questions or are not able to send your documents electronically, please call me directly at XXXX. 

Sincerely, XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX. Guaranteed. 
XXXX XXXX  XXXX XXXX XXXX - XXXX, Colorado XXXX T : XXXX Fax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There were fraudulent unauthorized charges made in XXXX account, XXXX, XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX The spoke with someone at FTC identity theft department and was provided with a report. These charges were accumulated while I was in the hospital under XXXX and receiving XXXX. I was not able to make charges if I was on XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX  XXXX located in XXXX, GA they thought I wasnt going to live.

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 2020-08-20
Company: Real Time Group, Inc.
State: WI
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 a loan with REAL TIME RS ( Original Creditor : XXXX XXXX  XXXX XXXX  ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, REAL TIME RS ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent certified letters to XXXX, Equifax, and XXXX that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company XXXX  is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to XXXX and communicated with XXXX via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in 2020. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Consolidated Recovery Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
consolidated recovery says I owe over {$XXXX} for a debt the company I worked for XXXX XXXX XXXX had. Someone at XXXX XXXX XXXX opened an intuit merchant account with my name and social security number, that I had no knowledge of and never signed. I keep trying to explain this to consolidated recovery and they keep harnessing me and put it on my credit reports and now I received a letter saying they are taking legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX XXXXnquiry dateXXXX XXXX XXXX  Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NC
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: OH
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 had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does XXXX XXXX, Experian, XXXX  need from me to move this process forward??

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit has been ran without my authorization

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All 3 credit bureau REPORT errors and diferet information they are charging meto monitoring my credot 3 times amont

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 2023-12-16
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent money to my Citi savings from my XXXX savings for 6 months. Then, I needed the money to pay cash for a house til I refinanced. Citi has a {$50000.00} monthly transfer out so I made that and then called to do verify a wire transfer for the other {$50000.00} I needed. I spent 30 minutes of the phone with a foreign representative who was hard to understand who placed me on hold multiple times. During her questions verifying me the phone call had static and I could also hear her coworkers in the background laughing and talking. Once I was finally verified she told me the transfer would go through since we close in 2 days. The next morning I wake up to check my accounts. The money wasnt transferred to XXXX so I logged onto my Citi Account and the savings account was gone. I called Citi and had another static phone call with a foreign representative who put me on hold for 20 minutes. He said my account had a security hold on it but he didnt know why and hes researching it. This is the most frustrating and scary thing Ive ever encountered. I will not ever use Citi again and I wont be using them for my credit card either. If I dont get my money back, I will be suing. Im also at risk of losing the house Im supposed to close on because theyre holding my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
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 XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than XXXX times. XXXX 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 n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed 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 non-monetary relief