BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Convergent Resources, Inc.
State: NV
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:
This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

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 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on! 
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX and XXXX CONVERGENT OUTSOURCING : # XXXX has violated my rights. 


This collection agency has no respect for the laws. Someone needs to hold them accountable for this.

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 2020-10-26
Company: First Credit Services Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX I had a XXXX 'XXXX  XXXX membership. I canceled the membership many months ago. They are seeking {$350.00} through the collection company of First Credit Services. My membership was canceled in writing via email like they asked me to do. I never owed anything. I tried explaining this to their collection team and they wouldn't hear it. I still have the e-mail to them showing I canceled it prior to any fees. They are using First Credit Services to try to collect a debt I don't owe. XXXX 'XXXX  XXXX  would send a no reply email alerting me of these fees. It shouldn't be legal to use these no reply emails, because it left me no avenue to explain the earlier email sent showing cancellation prior to any fees. The reality is, they don't want to hear from customers, it is a ploy to try to get them into collections. 

First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account Number XXXX My email is XXXX My phone number is XXXX. I want to launch a complaint against both XXXX 'XXXX XXXX and their collection arm First Credit Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: FL
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 do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.

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 2020-10-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Applied and was accepted for a Citibank credit card over a month ago. Received letter stating a card would arrive soon. Card never arrived. Called Citibank to get a replacement card with expedited shipping, again, card never arrived. Called a third time to get a replacement card, was told 1 ) Citibank could not send a verification message to my phone number 2 ) Citibank could not call back to verify my phone number, even though I was calling from said number 3 ) Citibank could not verify my identity to send another card without first sending a verification letter.

At this point I was quite frustrated, as previous mail had not arrived and the only option they gave me to access my account was yet another letter. So I told them to close my account. They refused, citing inability to verify my account. I now have a credit card account that I can't access and can't cancel until I get a letter that might honestly never arrive. I do not understand such measures, as no such verification was required to open the account in the first place.

I simply want to close my account as Citibank has repeatedly failed to deliver the card that I signed up 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 explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: DE
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:
Currently trying to purchase a home and noticed errors on credit report. Tried to resolve issue with credit reporting agency and they stated debt was valid, however i never received anything in writing confirming information.

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 2021-10-20
Company: Lending Club Corp
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:
Greetings, I would like to file a complaint against Lending Club. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: VA
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:
I have XXXX hard inquires on my credit report and all but XXXX are actually mine. I have already submitted an FTC report and I would like these hard inquires removed from my credit report. According to the FCRA, I am eligible to have to unauthorized inquires 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 explanation
Consumer complaint received 2023-04-15
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal refuses to give me my {$1000.00}. They have placed it on hold and have marked my account as risky without any evidence to suggest their claim. All of my customers received their items and as described ( all orders are tracked and were delivered ). I was able to receive my first payment of {$1300.00} but they refuse to give me my remaining held funds. I am told I have to wait 180 days and then will be given instructions on how to withdrawal or transfer my funds. They have permanent disabled my account. I need my money now, not 180 days from whenever they think I can have it. It is not their money, it is mine. They can not tell me when I can have my money. My buyer paid me {$2300.00} on XX/XX/2023. On XX/XX/2023 my deposit transfer of {$1300.00} was completed. My {$1000.00} is currently being held from me. I can not afford to have this withheld for 180 days. I have messaged PayPal daily demanding my money be released immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This will be a respond from an earlier complaint ( ID # XXXX ) I filed last week. thank you for the quick turn around. I received a copy of my EXPERIAN Consumer report after the first complaint. I see multiple names, addresses and Social Security Number. I disputed those information on my report back in XX/XX/2021 with no resolution. A copy of my report will be uploaded 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 explanation
Consumer complaint received 2023-10-24
Company: Financial Network Recovery Inc
State: CA
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:
I asked them to remove this from my credit account. I have no obligation of {$2700.00} to Financial Network Reco.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I've already sent several letters to the creditors asking them to remove these late payments yet they have not abided by what I have requested. They also have violated my consumer law because they never gave me the option to opt-out out of reporting this information to a third party. 

According to 15 US Code 6802 b, which states that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information may be disclosed to such third party. 

Date of late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account : XXXX XXXX Account number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Date of first charge-off payment : XX/XX/XXXX The account was closed in XX/XX/XXXX ; additional late payments were added after the account was closed in XX/XX/XXXX Account : XXXX XXXX XXXX  Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: AES/PHEAA
State: VT
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:
In XXXX I began working at a XXXX XXXX agency. I promptly contacted XXXX XXXX ( my loan servicer for my FFEL loans ) to make sure that my repayment plan would allow me to participate in the PSLF program. I was assured over the phone that all I needed to do was continue making payments as I had been, and that there was nothing else I needed to do at that time. I discovered in XXXX that my loan servicer did not participate in the PSLF program, so I lost 3 years worth of time and payments towards loan forgiveness. 
I have already tried this once, to no avail. I am trying again because I just read another report about how many borrowers have been similarly misled by their loan servicer, as I was. I can not understand why there is not more that can be done to make this right. Sending my complaint to the servicer at fault seems ludicrous since all they do is say the obvious, which is that my loans were not eligible for PSLF based on the fact that they were held by XXXX XXXX. I already know that. The issue is that I was told they would be eligible by an employee of that servicer. 
Please let me know there is another course of action. It is just wrong that they gave me wrong information, but there is no consequence to them, however I am stuck paying for an extra 3 years. 
I believe everyone who was making payments in good faith should get credit for those months towards the 120 needed for PSLF, even if they had the wrong servicer. It is obvious that many, including me, were deliberately given wrong information so the servicer would retain more loans in its portfolio. The CFPB was created to help people like us get fair treatment from these kinds of predatory practices. Please, please, please do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX I submitted an initial VA application for Mortgage for {$170000.00}. My case file was assigned to XXXX XXXX ( Loan Officer ). This individual made no attempts to contact me as of XXXX until I contacted Navy Federal for her to make contact with me. By this time I had lost the residence I was looking at. When the Loan Officer and I finally spoke I requested to increase the amount to {$300000.00} as I was looking at another property. I asked a variety of questions : To be provided with my VA eligibility letter, closing cost, etc ... Loan Officer responded to my inquiry to the best of her ability. During our phone conversation I informed the loan officer that inspection was scheduled for Saturday XX/XX/XXXX @ XXXX. I should have known by then that she wasnt paying attention. Anytime I was asked for something by loan officer it was provided within 24-72 hours. On XXXX I email the loan officer as to if she required anything else and she then informed me that my POC moving forward was XXXX XXXX ( Processor ) as my case was transferred to processing on XXXX. I then sent the processor the same email on XXXX, XXXX, & XXXX with no response. Processor finally made contact with me via phone and advised she did not require anything at the time. On XXXX processor requests documentation and was provided all information immediately. On XXXX I called to check on the final numbers and the Loan Officer was oblivious as to anything going with my case file especially since I was schedule to close on Thursday. I was very annoyed because she informed me that my close was for Friday vice Thursday that she was unsure of final numbers and status as this was with the processor. The loan officer advised me of a couple possible outfits but not of the one I received on XXXX. After speaking with the loan officer who informed me my processor was out I was contacted by processor XXXX XXXX who requested specific documents provided to both the loan officer and processor and all information was forwarded to her immediately so that she could see all this information was provided in a timely manner. At this point I felt that both the loan officer and processor did not do their jobs. On XXXX Processor XXXX XXXX reached out to me and informed me that she would be my processor moving forward that my case file was not complete due to an employee error and that she is aiming for an XXXX closing as she has been authorized a one review process vice two to get me to clear to close due to the employee discrepancy. By this time Supervisor XXXX was involved. On XXXX XXXX reached out to me again for additional information and all was provided and later on that evening she returned dreadful information of it being declined. I feel that Navy Federal has no intentions of affording options to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to make a payment on the due date at XXXX pm on XX/XX/23 to the bank for my XXXX card ( XXXXXXXX/Comenity ) and discover that's a cut off time XXXX, so if XXXX paying after XXXX on my due date it will post next day and the late fee if {$37.00} will apply. After that I checked my account I discovered that on XX/XX/23 I also was charged {$37.00}. And I paid my payment on my date due of XX/XX/23. I would like to know if this is legal or it is another way to get peoples money. Also, I never got any notification that on the due date there is an early cut of time. After calling and talking to customer service I was told that nothing could be done about it. I would like the late fee posted on XX/XX/23 to be refunded and late fee for XX/XX/23 not to be posted or refunded. 
Thank you for your consideration. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: MO
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 contacted this company several times along with disputed with all XXXX bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this XXXX and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something

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 2019-08-18
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: Investigation took more than 30 days

Complaint:
I disputed all non account holding inquiries with TransUnion. They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. TransUnion violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 contacted this company several times along with disputed with all 3 bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this one and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something

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 2020-10-26
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It shows i opened an account with speedy cash for {$680.00}. Which i didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed 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 explanation