BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/LOAN partial account number ****XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-02-11
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXXXXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX  XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit. I would also like to cancel/remove any security freezes and/or fraud alerts. As of a result of whatever freeze, hold, or alert that Equifax has placed on my credit report. I am unable to get my a replacement XXXX credit card even though I have an active account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$220.00} to my friend in XXXX XXXX ( XXXX ) with MONEYGRAM, they will not release the money to her. Contacted MONEYGRAM and requested the money refunded back to me and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: United Collection Bureau, Inc.
State: OH
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:
UNITED CREDIT BUREAU IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AND WHEN ASKED TO PROVIDE PROPER VALIDATION OF THESE ACCOUNTS, MEANING SIGNED CONTRACTS WITH MY SIGNATURE, THEY NEVER SUPPLY THE CORRECT PAPER WORK. THEY ONLY SEND THESE FRAUDULENT INVOICES WHICH ARE NOT VALID PROOF OF A DEBT. FURTHERMORE THEY ARE IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G AS WELL AS MULTIPLE OTHER VIOLATIONS, WHICH YOU CAN SEE IN THE ATTACHED EXHIBITS! THEY HAVE ALSO SENT ME FRAUDULENT INVOICES THAT DONT EVEN MATCH THE AMOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS! NOW HOW IS THAT POSSIBLE? HOW CAN YOU SEND ME AN INVOICE FOR A TOTALLY DIFFERENT AMOUNT THAN YOURE REPORTING TO THE BUREAUS? I HAVE SENT PROOF OF THAT AS WELL! WHICH WAS JUST THREW TO THE WAY SIDE. HOW IS THAT PROTECTING THE CONSUMER? THEY ARE IN VIOLATION OF MULTIPLE FRAUDULENT AND PREDATORY ACTS! XXXX IS ALSO IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G!!! AND A LETTER WAS SENT TO THEM AS WELL WITH NO RESOLVE OR PROPER VALIDATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TD BANK US HOLDING COMPANY
State: KS
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 purchased a phone with XXXX XXXX. The card was with TD bank. I paid off the entire balance over the phone. I never received another bill, however I have credit monitoring and it alerted me to a delinquency. I reported the error to XXXX and they investigated. They said TD bank claims the {$20.00} charged to my account was legitimate. I then sent the dispute letter to the company as required on their website and never received a reply. After reading reviews online I believe this is not a new scam. I never made a charge after I paid the phone off. It was a 0 % interest card so there is no post payment interest. Lastly the fact that they refuse to reply is unprofessional, clearly I wouldn't let a {$20.00} charge drop my credit nearly 100 points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX TRANSUNION OR XXXX DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.

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 2019-02-11
Company: AES/PHEAA
State: NE
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:
I entered to Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX to XXXX XXXX. I have been under an IDR plan and pay approximately XXXX $ a month. In XX/XX/2018 I was re-certified. when I switched to XXXX I got a letter saying nothing will change but that my student loans got transferred. Suddenly, this month I was charged {$2000.00} by XXXX. I was not notified of any change. When I went to the website, they stated they did not receive all of my IDR papers, even though I did this months ago. I was never notified about needing to submit additional papers. A small portion of my other loans were transferred for a different servicer and there was no problem with my IDR plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: LA
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 filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.

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 2018-02-01
Company: Freedom Mortgage Company
State: NY
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:
since XX/XX/XXXX I was working with freedom mortgage to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX XXXX # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX  who mis reported and read things that are not true as reported and recorded by athree way call with XXXX and alady name XXXX who was in XXXX XXXX and could barely speak English it is now XX/XX/XXXXand no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX  and XXXX and suffer from XXXX and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste freedom mortgage say one thing do another

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX XXXX, I called Navient with the hopes of understanding my loan. I am trying to understand my current terms, how much I need to pay each month to reduce the length of my total pay off terms, how much I have currently paid etc. 

I also wanted to get an extension of my current payment plan. I was told by the representative that if I paid another payment of my loan that I would be current. He told me if I made the payment by the end of the month, that it would n't affect my payment. So I scheduled the payment by the end of the month with him and the funds came out of my account b y the end of the month. He did inform me that if I paid by the end of the month that I would be current. I then enrolled in an auto debit program for the next 6 months. I was happy to have had some resolution when I got off the phone. I go and check my credit today, and I saw that my score dropped 17 points because I was given terrible information. 
If the representative would have told me that you need to pay your loan by the XXXX of the month and not the XXXX, my credit report would n't have been affected. 
Loan companies are to help borrowers understand their terms and use accurate advice. It 's unfortunate that my credit is now being affected because I was trying to repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Commonwealth Financial Systems the accounts are as follows : XXXX, XXXX  and XXXX  : 1.  Commonwealth Financial Date Assigned : XX/XX/2017 2.Commonwealth Finacial Date Assigned : XX/XX/2017 3.Commonwealth Financial Date Assigned : XX/XX/2017 Please be advised that I am disputing these collections due the fact that ; Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Does not currently have a valid license in Florida to collect on debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that Commonwealth Financial System are licensed to collect debts in Florida. 
Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased XXXX and they placed a warning saying purchases will prevent Withdrawals for 72 hours. I thought nothing of the warning because I had believed they had a different process for sending XXXX to other addresses. Instead to send you have to withdraw. I had placed all the money I needed to use TODAY of which all 100 % is locked up for 72 hours. I need this money now and this is a very very big problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
I received a letter in the mail from a debt collection agency stating that I owed {$400.00} and they would reduce the debt to {$200.00} if paid in a timely manner. This is for a utility company that I have never had an account with at an address that I have never lived at.

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 2021-09-09
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have received mail, email and phone calls to refinance our loan constantly. At one point we were told if we didnt that they would sell our loan so we did it. This is the third time were having to do this. We have called and left messages for two loan officers many many times, weve email the loan officers, we have tried calling the mortgage company customer service and got no response what so ever they have a recording basically saying they are to busy. I email their messaging center and they always respond if you havent received a call in two days let us know and when we do let them know nothing is done they say give another two days. This is absurd we had a natural disaster, hurricane Ida. Weve never been late on our mortgage weve never had a forbearance request at all. It shouldnt be this hard to reach someone. They had a closing officer call us to close on our loan but the hurricane hit and we were without power for over a week and so as she. No one has reached out to us or returned calls. Someone needs to be held accountable!! This is a superb way to treat your veteran customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently received a letter from Transunion Consumer Reporting Agency of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. XXXX  also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. XXXX  has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. Transunion/XXXX  has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Transunion/XXXX/XXXX  also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from Transunion/XXXX   unethical and straight biased considering the lack of proof they have supporting their claim. Transunion/XXXX/XXXX  has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and Transunion/ XXXX/XXXX  Should be held liable

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 2021-09-09
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not my debt. I have submitted numerous times prof of debt and never received anything other than it was validated. It is showing as a charge every month which is not legal and still showing a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple dates, multiple times with no messages left. When I answer the call drops.

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 2019-02-11
Company: EQUIFAX, INC.
State: SC
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: SC
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX

Company response to consumer: Closed with explanation