BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-20
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I closed a cell phone account with XXXX in XX/XX/XXXX/XX/XX/XXXX in good standing and all payments were paid in full with a XXXX balance. Since XX/XX/XXXX/XX/XX/XXXX I  did not have any accounts with XXXX and I joined my husband 's phone account where all bills are under his name. Therefore, I have not had a phone bill under my name since XX/XX/XXXX/XX/XX/XXXX. Suddenly, in XX/XX/XXXX, I noticed a derogatory collection on my credit report with XXXX XXXX   stating that I owed {$170.00}. I XXXX XXXX XXXX to obtain a phone number and inquire as to why I was being hit with a collection on my credit report? I was notified that the collection was with XXXX and that if I did not believe the collection was valid then I needed to contact XXXX. I contacted XXXX and gave them my information. When I went to verify information on the collection account, it was noted as an active phone line and all of the information on the cell phone account was not mine except for the name. At this time, the rerouted me to the XXXX   Fraud department where I provided information by phone to a representative. After this, there was no further communication with XXXX. I then proceeded to call XXXX XXXX and let them know that the information provided to them was inaccurate and that I had not had a phone account with XXXX in 8 years. I asked for Verification of Debt to see if my information had been cross-referenced or used by someone else. Convergent told me that I had to pay the collection and never provided me with any type of documentation. Subsequently, I disputed the accuracy and legitimacy of the debt. The collection was removed twice without any statement or follow up from anyone but then it would reappear in 2-3 months. Now it is XX/XX/XXXX and XXXX XXXX is continuing to call me multiple times a day but will not leave a message or reference as to why they are calling. In addition, I never received any validation that this collection is mine and if it was legitimate, my last valid account with XXXX would have been in XX/XX/XXXX/XX/XX/XXXX which is 9-10 years later ( past the Statute of Limitations. ) I question the validity and accuracy of this collection and I would like to be provided with all information necessary so I can proceed with necessary legal action.

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 2023-01-31
Company: Credit Karma, LLC
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Credit Karma continues to list pre-approved credit card options. With advertisement the approval rate is always very good, and I believe these to be false and inaccurate statements. I applied for one card and was NOT approved. Now I have a hard inquire on my credit report. I thought that they had agreed to stop this kind of false advertisement/false information that ultimately hurts me, the consumer. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: CA
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:
Unauthorized Inquiries.

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 2020-09-10
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We've previously filed a complaint regarding this issue with CFPB. Freedom Mortgage ( one of our current servicers for a VA loan ) will not stop calling us offering a lower interest rate despite having asked several times to be removed from their marketing list. Each time we spoke with them, we were assured that we would be removed from this list and a supervisor confirmed towards the end of XXXX that we will not be receiving any further calls. However, I just received another call today ( XX/XX/2020 ) from XXXX at XXXX MST from a gentleman claiming to be with Freedom Mortgage, again asking me if I've had a chance to review their offer of a lower interest rate on my mortgage. 

Is there any way CFPB could please contact this company and audit these calls? This has to be illegal. The phone number in question is a cell phone. In the meantime, I have removed my contact information from their system to hopefully prevent further calls, however I can't be the only person this is happening to and this matter really needs to be investigated. Please help! Thank you!

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 2018-09-06
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Someone used my identity to order some phones from XXXX XXXX. They used the wrong birthday. At the time of this order I was only XXXX years old. They have seriously ruined my credit.

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 2019-06-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XX/XX/XXXX, Regions and XXXX  XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 2022-07-06
Company: RGS Financial, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RGS financial has not provided me with any receipt of settlement payment 2 weeks after I paid {$2000.00} to settle an account. I have called mutliple times to request a copy with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am receiving repeated phone calls from XXXX XXXX XXXX. I don't know why they are contacting me because they never leave a message. They have called both before XXXX and after 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 2023-11-18
Company: EQUIFAX, INC.
State: GA
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 did not consent to nor benefit form the following inquiries on my consumer report : XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

This is a new complaint, do not mark as a duplicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 Balance Owed : {$0.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-06-24
Company: Experian Information Solutions Inc.
State: MN
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 went to XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is 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 2023-01-19
Company: FIRST ADVANTAGE CORPORATION
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:
request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name.

I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report.

I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request.

Please let me know if you need any additional information or documentation from me. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: NY
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 was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I decided to obtain my free credit reports from the credit reporting agencies. I would be entitled to a free credit report at Transunion, having not previously obtained one in more than a year. 
I went to the Transunion website and clicked on " get my credit report '' and went through identification process. 
It asked various identification questions, and then asked for a credit or debit card number and whether billing address was same as my address. 
I assumed that it was part of identify verification process for access to a credit report. 
After supplying that information, I was given access to a credit report. 
Today, to a great shock, I discovered that I was charged {$24.00} by Transunion for my -- supposedly free- credit report. 
I was NEVER at ANY point told that I would be charged ANYTHING, let alone that I am signing up for any kind of service. 
I never received any email confirmations, either. 
Some online research and poking around Transunion website, showed that they somehow fraudulently signed me up for some of their paid services, of the existense of which I was not aware and to which I NEVER consciously signed up. NEVER was I told I'd be charged ANYTHING, the interface fully is made as if you are just going through identification process. 
I went to the website and used " cancellation '' option for the service, even though I never received confirmation of such cancellation. 
I then decided to try and call the company to explain that it was a misunderstanding and get my money back, since I absolutely never intended to purchase any service from them. They basically just stole {$24.00} from me, using information I gave them for what i thought was a different purpose. 
They give a number ( XXXX ) XXXX as a customer service number on their website, there is no other way to contact them. 
I called that number about 8 times on XX/XX/XXXX in the afternoon, it rings twice and then disconnects. 
There is no postal address. 
This is basically a swindle, fraud and theft. I am reporting it as a fraudulent charge with the bank, but I would like for your help to get my money back, and to stop this unlawful practice.

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 2023-05-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Fraud charges appeared on XX/XX/27 statement - reported - paid legit charges every month Stmt XX/XX/27 - Stmt Balance XXXX Fraud - XXXX Paid XXXX legit charges XX/XX/27 - Legit charges XXXX original fraud XXXX Fraud removed - XXXX Interest Charged XXXX Stmt Balance XXXX paid legit XXXX XX/XX/27 - Legit charges XXXX Fraud balance XXXX Prev Interest XXXX New Interest XXXX Stmt Balance XXXX Paid legit XXXX XX/XX/27 Legit charges XXXX Prev Interest XXXX Prev interest XXXX New Interest XXXX Stmt Balance XXXX Paid FULL Bal XXXX - to stop the illegal interest charges

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 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this information 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
Consumer complaint received 2017-09-21
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Within the last several days, a collection agency named Diversified Consultants started reporting a debt on my credit report. I have no outstanding, unpaid debts ; and this listing is a mistake. Furthermore, I received no notice of this account from Diversified Consultants INC, and would have certainly contested it, if given the opportunity. The Fair Debt Collection Practices Act states that a collection agency is required to give a 30 day notice to dispute BEFORE they report the account on one 's credit report. I was not afforded this opportunity, and this is a violation of my federal rights. This account just showed up on my report, without any notice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: State Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
State Collection Services Inc This company sold a debt I paid. I provided the proof that I paid this and they did not close it. Instead, they sold the debt to another company. I spoke to them many times and they verified the debt was paid, but still sold it to another company. It has been a nightmare for 3 years now. When I requested a letter, they never sent one. This company verified it was paid, and said the letters I got from the other debt collectors was probably from another debt. I have never owed another debt in my life. It is for the same debt, same date, same amount. Instead of closing out the debt properly, they sold it and then refuse to take responsibility and instead, insinuate that I owe money to other companies. This is unethical and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; CXXXX XXXXXXXX Balance Owed {$0.00} ; XXXX XXXX XXXX XXXX Owed {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed {$380.00} ; XXXX XXXX XXXX  XXXX Balance Owed {$690.00}.

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 2019-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Mr or Mrs , My name is XXXX XXXX Address is XXXX XXXX XXXX XXXX CA XXXX SSN # is XXXX I started working to fix my credit on XX/XX/XXXX with XXXX, Equifax and XXXX  until now XX/XX/XXXX still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge. XXXX  and XXXX   they already removed the account does not belong to me which is the one Equifax they are " verified that item belong to me " that's what they said when i recieved a dispute result and Confimation # XXXX, after i saw that was wrong then i called them back on again and they said they still working on it give and NOW i waited too long i can't not wait anymore. 
OK they want police report, they want dispute letter i sent to them i had certified mail receipt, even i sent a dispute result from XXXX  to prove myself I done all that, i already do everything on my power. On dispute letter i already said my family going to buy a house and many many times on phone call can you guys do it quick. 
NOW i need to do my loan approval on next week but how i can do that if my credit like this. 
NOW next week i have to pay that {$840.00} for XXXX XXXX XXXX which is account i don't even know where the XXXX is this come from. ALL I need right now is my credit clear out so i can get qualify to my loan approval for my new house. 
I feel like i just got ROB. WHERE IS THE LAW IN THIS LAND!!

Company response to consumer: Closed with explanation