BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
I deferred my student loans due to my XXXX and my loans were sold back and forth between Nelnet and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XX/XX/XXXX( Total XXXX ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies Nelnet and XXXX repost the late payments 30/90/120 days to my negative credit transactions. 

I really want to get a loan and I am looking to purchase my first home as a XXXX vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the XXXX companies are sister companies it feels like tax fraud may be involved also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
CONVERGENT OUTSOURCING, INC. report collection on my credit report without contacting me of this debit. Debit was discharge with chapter XXXX under XXXX, and now placed back under a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Account XXXX XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I've been using Coinbase.com and their app for over 3.5 years now all in the same way of purchasing XXXX when I get paid or have extra income and then will deposit into my traditional checking account. 

Last night -- XX/XX/31 -- I received an email via coinbase that my photo ID had been approved but I never submitted it outside of when I needed to reauthenticate my account over a year ago and when I first signed up. From here, seconds later, I received " notice of account closure '' but they won't tell me why -- and if you look online this has been happening nonstop to many members who have been using the platform for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a company known as CMRE months ago, who did not even discloses themselves to me as a collections agency ( I had to ask several times if they were a collecting on me before they responded ) and i paid them over the phone. I had never received any mail or phone calls that I had outstanding debts or was at risk of being collected upon. Several days ago they called me asking me to pay the IDENTICAL amount for the IDENTICAL bills which were already paid.

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 2015-08-14
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ran my credit and saw that I had a neg account under Convergent Outsourcing in XXXX, WA. I called to find out what this was and they claimed it was a XXXX account. I did have a XXXX account but closed it because they kept overcharging me from what my plan agreement was and for apps I never ordered. I paid the bill at just under {$600.00}. CO Inc. claims I owe {$1200.00} and it is on my credit report. First I asked them to prove to me the debt, they refused and told me I know what it is and second they would not talk to me unless I paid in full at that moment. I filed a claim with XXXX, and disputed with XXXX, XXXX and XXXX. They still claim I owe it and wo n't budge. This is on my report and I do n't owe the {$1200.00} they claim I do. When I called again this week they told me I had to go in a website and they would walk me through. It was really strange and the account # was not what is listed on my credit report. It just seemed really shady. I want this off my credit report because I am a XXXX and trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX XXXX  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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-01
Company: OneMain Finance Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
One Main Financial pulled a copy of my credit report on XX/XX/2021 without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On today 's date, XXXX XXXX XXXX, I received a letter attempting to collect a debt. Upon receipt of this information I contacted the original creditor, XXXX, and confirmed with one of their supervisors, XXXX, that I do not currently and have not ever had an account with them sent to collections. This was verified with my social secuirty number. I then contacted the collection company, Convergent outsourcing inc., and spoke with supervisor XXXX XXXX ( sp? ) Who stayed that the debt was from an account during the period of XXXX XXXX - XXXX XXXX. At that time I had my service with XXXX XXXX XXXX and therefore the debt if false and illegal. The supervisor insisted that the original creditor would have no access to verify if I had the account or not. I told her that I dispute the account. This is a violation of the FDCPA ( Fair Debt Collection Practices Act ) and illegal representation of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit report and upon doing that it came up " XXXX XXXX '' when I called they had no reasoning for the charges they say they can not see the information. Upon researching it is a medical bill for a XXXX/ XXXX XXXX that I did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: MONEY SOURCE, INC., THE
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Money source my current mortgage holder is stating verbally via telephone ( XXXX ID # XXXX ) that they made XXXX tax payments One for {$1200.00} XX/XX/2016 which the town hall confirms and one for {$1300.00} XX/XX/2016 which the town hall states they have no record of. In spending approx. 3 hours on the phone with The Money Source being bounced around to locate the return check # for payout or proof of payout as the Town hall encouraged me to do, I had no resolve. I called the town hall on 3 way with XXXX on the line as she stated she was unable to reach them. The clerk XXXX at the town hall asked for a return check # to confirm/research payment. She was told they sent out payments in mass checks and she was unable to provide that info. I asked XXXX to transfer me to speak to a supervisor in which I was denied due to, they were unavailable because they were in a meeting. She then told me she could take my name and number and they could call me back within 24-48 business hours and that she would send out to the research dept. to find resolve. After approx. 3 hours on the phone, taking the day out of work to resolve the issue I am very upset that in speaking to 3 people at the Money Source no-one could provide me with proof of payment to the town hall in The amount of {$130000.00} telling me that it is available on my statement. That is not proof of payment!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: WI
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. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found a XXXX Bulldog for sale on XXXX after finding thepuppy I thought was right for me I contacted the individual whichwas through his email listed on his XXXX. After initial email at ( XXXXPDT ) on XXXX XXXX the individual responded back with a lengthy emailat ( XXXX PDT ) with pictures of puppies for sale. He inquired aboutwhat type of living conditions would the puppy be in have we everowned a puppy of this breed, etc. After XXXX emails on the XX/XX/XXXXI sent an initial {$300.00} via Western Union tracking number at ( XXXX PDT ) to XXXX XXXX at XXXX XXXX XXXX XXXX the XXXX Bulldog was said to be dropped off and ready for shipping. Later at ( XXXX GMT ) I recieved an email from XXXX XXXX stating I needed to provide a temperature controlledcrate for the bulldog that the crate provided could not be used fortravel. At XXXX PDT I sent via Western Union {$900.00} to XXXX XXXX XXXX XXXX XXXX. I then received and email with shippingdetails and arrival times of the XXXX Bulldog. On XXXX XXXX Ireceived an email at ( XXXX PDT ) stating I needed to send {$2500.00} splitup into two payments. One payment of {$1500.00} to be sent to XXXX then a following payment of {$1000.00} to be sent to XXXX XXXX. 
After receiving this email my wife and I called and said we will notsend this amount and we want a full refund of all money sent and wegot hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I requested that Experian investigate and delete XXXX inaccurate and unverifiable accounts. Experian responded to my letter and deleted XXXX account out of the XXXX, but the others they claimed were updated. I sent another letter to Experian, asking for the method of verification or how they verified an inaccurate account and they did not respond.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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. 

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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: NJ
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: MD
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. 

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 2022-06-01
Company: JPMORGAN CHASE & CO.
State: NC
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 recently cancelled my XXXX Chase credit cards due to fraudulent charges by XXXX XXXX XXXX on my Chase account. These cards are issued by Chase. Once I received my replacement cards from Chase I activated the cards and put them away. I later went into my Chase account to make a payment and notice a XXXX charge on my NEW Chase ( CARD # ) for a XXXX XXXX membership that stated it would be a recurring charge. So I called Chase on XX/XX/2022 to report the fraud and was told by customer service that they would have to cancel the card again and send me a new card. This happened to me more that once and I couldn't figure out why. But now I know why and here is where the scam comes in. When I told customer service at Chase about the fraud she told me to contact XXXX to have them take my card information of my XXXX XXXX account because it must have been saved from an order. Well the problem is, I didn't order ANYTHING WITH THE NEW CHASE CARD! So, how could XXXX get the new card number information? They are in cohoots with XXXX frauding customers by charging for things we didn't order. I NEVER ordered a Prime membership ( I'll explain that later* ). I have saved paper trails in case you need them or to see clearly what I'm talking about. I have informed the Chase customer service rep on that XXXX XXXX phone call to cancel my credit cards with Chase immediately that day. Also, I told her to reverse those charges for XXXX XXXX Membership. Another reason how I know it's fraud is because when I had this same problem last year, I informed Chase and XXXX XXXX ( explaing the above* ) that I already had XXXX XXXX as a perk for having a phone account through XXXX XXXX. Yes, XXXX XXXX gives me as a customer XXXX XXXX free included in my Phone service deals. Therefore, I didn't catch the scheme last year but I caught it this year because I hadn't used my NEW Chase credit to order anything through XXXX or anyone else. Yet I see my ( NEW ) credit card information on my XXXX XXXX account. 

On XXXX XXXX I contacted Chase about another fraudulent charge from XXXX on my account. The first fraud charge was for a XXXX XXXX video order in XX/XX/2022. And on XX/XX/2022 for a XXXX XXXX recurring membership charge. When the Chase Customer service representative told me that the charge probably came from me ordering something from XXXX, I knew something was wrong because, I not long ago received the cards and hadn't use the with anyone yet, XXXX already had charged something on my Chase credit card. There paper proof to show all that I am reporting that I saved in case Chase tries to delete them. Therefore, Chase and XXXX are doing some fraudulent business together. 

This is NOT the first time this has happened either. Tired of these games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been calling transunion and XXXX for a year now to try and get this inquiries off my credit. All these inquiries on there I have no idea.

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 2022-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A debt collection was added to my credit report that was not for me. The report was with Equifax that noted the collection through XXXX XXXX XXXX and was opened in XXXX for a debt from a doctor 's office visit ( XXXX XXXX ) in XXXX. I made a dispute regarding the collection on XX/XX/XXXX that I did not go to the office of XXXX XXXX in XXXX and that I had no outstanding balance with XXXX XXXX 's office. The dispute came back on XX/XX/XXXX saying that the debt was still there and that the collection still stands. After that, I spoke with the collection agency and XXXX XXXX 's office that first made the collections request, and they had nothing for me. Specifically, I had requested and inquiry with XXXX XXXX XXXX last week, and they told me to check in today XX/XX/XXXX. I called and left a voicemail at XXXX pm. They got back to me today at XXXX pm to let me know that the collection that Equifax is reporting wasn't for me but for someone with a similar name. Not the same date of birth either. XXXX  XXXX let me know that they would notate the account that Equifax was looking for that it was not for me but someone else. They mentioned that they could not give me any sort of letter that they have no collections for me because they had no account for me. This collection should not be anywhere near my credit report.

Company response to consumer: Closed with non-monetary relief