BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing, Inc. has reported collection activity to the credit rating agencies and damaged my credit score. The debt that Convergent Outsourcing is trying to collect is not my debt. It relates to a XXXX bill owed by somebody who either has my same first and last name or who has impersonated me. In any event, I have never lived at the address where the XXXX XXXX in question was obtained in XXXX. That address is in XXXX XXXX, Georgia. I have never lived in XXXX XXXX, Georgia. Moreover, I have lived in XXXX XXXX, California, for the past 5 years. 

I have repeatedly written to Convergent Outsourcing and demanded that they fix this issue by removing the derogatory information from my credit reports. On both XX/XX/XXXX, and XX/XX/XXXX, I wrote Convergent Outsourcing detailed letters and provided supporting documentation. Convergent Outsourcing has not responded to my XX/XX/XXXX letter and continues to report the derogatory information to the credit rating agencies ( the most recent reporting date was XX/XX/XXXX ). This is outrageous.

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 2023-04-12
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They are withholding my voluntary refund. I placed a request in XXXX 2022 and I still have not received my refund after reaching out to them over a dozen times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an overpayment on my credit card that I have been trying to get refunded to me for {$1000.00}. I contacted my credit card via chat on XX/XX/XXXX to request this refund. My chat got disconnected and I reached out on XX/XX/XXXX via phone to verify that the request went through. I was told it did and that it'd take approximately a week from the request date. 

On XX/XX/XXXX, I contacted them again via phone without any results. They still owe me a refund of {$1000.00}. 

I've spoken with them again XXXX, XX/XX/21, via chat. The representative, XXXX, stated that my original refund request was denied due to an open dispute. The dispute was closed on XX/XX/XXXX in my favor when the vendor refunded the full purchase amount. I do not know why Citi is still refusing to refund my overpayment.

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 2020-04-04
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
In XX/XX/XXXX, I received convenience checks to draw on my US Bank Visa card. They were offering good terms, 3.99 % fee, 0 % interest until XX/XX/XXXX. I called the bank to verify that the checks were valid, and to check my credit limit. ( {$32000.00} dollars according to the bank ) They assured me the checks were good to go. Over the next 1-2 weeks, I wrote three checks, # 1- {$15000.00} # 2- {$12000.00} # 3- {$6000.00} dollars. I was subsequently informed that US Bank denied payment on all three checks. This has caused me to incur returned check and overdraft fees, and to spend hours on the telephone with representatives from US Bank. They are non-apologetic and refuse to help with the fees, even though they admit that it was their mistake. I am asking that US Bank refund all my extra incurred fees, and that you fine them for their poor business practices and lack of consumer protections.

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 2022-04-15
Company: EQUIFAX, INC.
State: SC
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, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-02-13
Company: CMG MORTGAGE, INC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, I was struck by an uninsured motorist. I contracted XXXX in the hospital. The company I worked for filled my position after I was out under doctors care for XXXX weeks. After losing my income, CMG Financial offered a forbearance and told me about the XXXX XXXX XXXX program. I was desperate to save my home so I accepted the forbearance even though I didnt understand what it was or how it worked. I went back to work XX/XX/XXXX. XXXX XXXX XXXX denied me because I earn too much. According to my XXXX I earned $ XXXX in XXXX. In received a statement from CMG advising as of XX/XX/XXXX, I owe XXXX. I called to get advise. They advised I would receive a packet in XXXX days that provided options. He added not to worry because I have XXXX  days to complete and return the packet. I called today because I have not received the packet. I was totally disrespected by the customer service agent that continued to speak over me when I tried to get clarity. At the end of the conversation, I advised, Im glad I recorded the call. I just want to get back on track to save my home. I need to know what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: American First Finance, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought furniture with a 100 day same as cash option from American first. My weekly payments were XXXX beginning XX/XX/XXXX. The last automatic payment was XX/XX/XXXX, then a XXXX time payment of XXXXXXXX on XX/XX/XXXX, leaving a balance of approximately XXXX. I tried to do a payment plan, explaining to the representative that I can pay the balance in 2 weeks to avoid XXXX being added to the account but I was notified that that was not an option and the XXXX would be added if the XXXX  was not received by XX/XX/XXXX. The account went into default and exorbitant fees were added to the account with a total of XXXX being the outstanding balance, more than the original amount of the loan itself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: FIRST PORTFOLIO SERVICING 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 information incorrect

Complaint:
I sent a validation dispute to company to provide me proof of late payments which i have yet to receive payments were never late instead company added late payments for XXXX and XX/XX/2021 as 60 and 90 days late when it was current I am asking for these payments to be marked " payments never late '' as they never where late thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately. The incorrect reporting is hurting me severely.

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 2020-04-04
Company: Navient Solutions, LLC.
State: NV
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:
I received a letter that I am sure is a scam because I don't have a student loan, and I haven't had one since the late XXXX. This came in an envelope that looked just like it would come from the U.S. Dept of Education/Navient, but I'm reasonably certain it must not have because of the aforementioned fact that I don't have any outstanding student loan debt. It claimed that I had taken out two loans in XXXX and one in XXXX and that these are currently unpaid, and it was claiming they've applied a temporary disaster relief forbearance on these nonexistent loans. I am not writing because I'm afraid I owe money but rather, I don't want others to be somehow defrauded by whoever this is. I'm fairly certain it isn't actually Navient. Are you the people I would contact, or would I send a complaint to my local police? I just want to make sure others aren't taken in by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
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:
These are not my accounts. 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 non-monetary relief
Consumer complaint received 2020-07-24
Company: WELLS FARGO & COMPANY
State: CA
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:
I had my Wells Fargo credit card stolen from me and fraud committed on it. I have left several complaints and it hasn't been resolved. I filed a police report in the matter when the fraud was first realized as well. Wells Fargo isn't working with me in any way. Two weeks ago when I checked on my account with Wells Fargo is was closed with a XXXX  balance. Now I just recently checked on it because I see my credit score has dropped by 25 points and Wells Fargo reopened the account at a negative balance cause of the fraud amount. THIS IS 100 % FRAUD and I made a police report and reported it with Wells Fargo right away. It was my impression that I'm not responsible for Fraud yet when I spoken to Wells Fargo directly they say that YES I am. This is not right. I been a loyal customer for years and they are treating wrong here and from my knowledge unlawfully. This is FRAUD and I did not give anyone permission to use my card. It was stolen from me and it was reported as such

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 monetary relief
Consumer complaint received 2020-02-19
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is supposed to cover. Furthermore, I am military personnel with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on Military Star Credit Card Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. 15 US-CODE 16921 XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX  XXXX  XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2018-10-10
Company: Santander Consumer USA Holdings 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:
Account was settled and closed from Santander Consumer. however, XXXX is refusing to remove it from my credit report nor Santander Consumer is unable to locate my account ... additionally, Santander Consumer lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit keeps contacting me by phone after I had mailed then a cease and desist letter by registered mail on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. They called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They left messages about how they are trying to collect a debt. So I am filing this complaint.They won't leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XX/XX/2021

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 2020-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I contacted a seller on XXXX  to purchase sneakers. After communicating with them, I sent {$450.00} to them via XXXX XXXX to purchase a pair of sneakers. After the money was sent, the person confirmed that they received it & stated that shipping takes 2 weeks. They also mentioned that I would be provided with a tracking number but I was not. On XX/XX/2020, I contacted the person asking if the item has been shipped and they did not respond. On XX/XX/2020, I contacted the person again & they did not respond. I tried to message the person the next day, XX/XX/XXXX, but I learned that they blocked me from contacting them. After waiting to see if my package would turn up, I contacted XXXX  XXXX  to tell them about the problem on XX/XX/2020. They stated To provide you with some context into this, XXXX XXXX is unable to cancel or refund Cash transactions after the funds have been transferred to the recipients account. However, you can request the same amount of money back from the recipient using the XXXX XXXX. I tried to request the money back from the person but it wouldnt allow me to. On XX/XX/2020, I filed a claim with my bank ( Bank of America ) about the situation. They claim eventually closed and I was not paid. On XX/XX/XXXX, I filed another claim about the situation with proof that I have been scammed on standby. Again, my claim was closed and I was not paid due to XXXX XXXX being only responsible for sending money. On XX/XX/2020, I contacted XXXX  XXXX  again. They basically explained that they couldnt do anything about the situation & they would return my funds if they could. I have purchased merchandise from this seller before so I dont understand why they would scam me. However, Ive never made a purchase this big with this person. I still havent received my product nor my money back from the seller nor the bank.

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 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX will not remove the Information from my report after it was agreed that they would close account and remove trade-lines off 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 explanation
Consumer complaint received 2023-04-21
Company: SYNCHRONY FINANCIAL
State: OK
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 have hard inquiries that I never applied for I dont apply for anything because Im not interested in getting any of that credit stuff

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