BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX Convergent Outsourcing flagged my credit files with inaccurate/unverified collection information on XX/XX/XXXX. Their account was recently updated on XX/XX/XXXX reporting XXXX different open dates of XX/XX/XXXX and XX/XX/XXXX. Demanding unverified amounts of {$640.00}, {$980.00}, and {$980.00}. Please be advised that Convergent Outsourcing are not Holders in Due Course ; no services or goods were received from Convergent Outsourcing and I have not agreed to pay/tender anything to Convergent Outsourcing on behalf of their alleged client for any reason. 
Convergent Outsourcing presented me with an offer on XX/XX/XXXX requesting a reduced amount opportunity of 65 %. I replied via XXXX certified mail with a notarized validation notice. Convergent Outsourcing has not responded and has continued to report their unverified collection account to my credit files. 
Convergent Outsourcing have not provided valid documents or itemized statements VIA MAIL proving I owe a debt to them with contractual proof. I have not provided signed wet-ink releases of my private information to Convergent Outsourcing. 
Convergent Outsourcing does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Convergent Outsourcings reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.

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 2016-12-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am being said to have obtained funds from U.S. Department of Education for {$5000.00} to pay for classes at XXXX University at the XXXX Campus for for the XXXX semester of 2012. 
The dilemma is that i have received notice from XXXX stating that their records indicate i stopped attending the XXXX 2012 semester at XXXX University on XX/XX/2012 for which is the end of the XXXX semester. I withdrew from classes at the end end of the XXXX semester as the notation attached herein as exhibit validates. 
I have contacted U.S. Department of Education at the phone number listed on the credit reports from Equifax, XXXX and XXXX, XXXX, entered my social security number and birth date, and received the message that i have no existing account and a {$XXXX} balance? I the contacted XXXX, WI XXXX, at XXXX, entered my social security number and birth date, and received the same message that i have no existing account and a {$XXXX} balance? This is in sync with the XXXX University notation date XX/XX/2012 that explains that the funds were returned to The U.S. Department of Education. See herein attached as exhibit, but the aforementioned credit bureaus Equifax, XXXX and XXXX have not removed the alleged debt even though The U.S. Department of Education has not provided them nor me with? 1. ) What address the funds came from? 2. ) What the serial # of the alleged check and or checks are? 3. ) Where, as in what bank the money was withdrew from? 4. ) Why does The U.S. Department of Education report that there is a {$XXXX} balance? 
The aforementioned defines that the alleged default of credit should be removed due to the alleged investigation of my dispute being inaccurate, incomplete and or unverifiable. 
The aforementioned has reports filed by said credit bureaus has caused me the consumer significant hardship fro my employer, my landlord, my insures as well as the creditor XXXX, for whom i sought to obtain a business and home loan that was denied due to the erroneous credit reports listed as public record. 
I have forwarded my disputes to The U.S. Department of Education, XXXX, WI XXXX, as well as to XXXX, XXXX, XXXX, WI XXXX, but to no avail, i have not received any of the information i sought to validate the alleged Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Peoples 's United Bank was taken over by M & T. 
We were reassured that the transition would be easier than the previous take over from XXXXXXXX XXXX to Peoples United Bank. 
The full transition was supposed to be finished by XX/XX/XXXX. 
My account is locked. 
I have tried to get this fixed as I have an automatic payment that was to be processed on XX/XX/XXXX. 
I finally reached M & T to be told my account is locked. That I have to go in person to get this fixed. 
Who is paying for this? I have to take time off of work to get this fixed? By XXXX at the call center employee number XXXX. 
There needs to be a formal fix to this nonsense. 
How can I trust these people with my money or 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 non-monetary relief
Consumer complaint received 2022-09-06
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:
According to the Fair Credit Reporting Act I have a closed XXXX XXXX account that is violating my rights. Account XXXX XXXX ( XXXX ) has violated my rights. 

15USC 1681 Section 602 A - States I have the right to privacy 15 USC 1681 604 A Section 2- States that a consumer agency can not furnish an account without my written instruction.

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 2015-09-21
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX CitiMortgage contacted me regarding a Loan Modification. Citi was already collecting my payment so I agreed. I filled out the package and began the Trial Mortgage Payments which were suppose to be 3 months but ended up being 10 months. 8 months went by then Citi sent me the same Package to be filled out again. 2 months later they denied the modification but took my Trial Payments and never gave me credit to my account. They then stated I owed 10 months worth of full payments plus interest in penalties. Citi then sold my loan to XXXX Mortgage without fixing my loan that they screwed up and XXXX immediately tried to foreclose on my Property. My Property then was apparently sold on the Courthouse steps to XXXX XXXX XXXX which is a part of XXXX but no Bill of Sale exists in XXXX County Court records. Apparently " ASSIGNMENTS W/ ROBO SIGNATURES count as sales nowadays. Long story short, I 've been in & out of court since XX/XX/XXXX fighting these Corporate Crooks on my own because you could n't find an Attorney to take Mortgage Fraud cases in XXXX back then and dealing with there XXXX XXXX XXXX XXXX who have done anything & everything they could whether legal or illegal to STEAL my house. They did illegal listings for the sale of my property on the Courthouse steps ( 26 days ), they have Documents in court with Multiple Attorney Signatures with the same name and more. All I asked for was a Jury Trial but my cases keep getting kicked back to XXXX Court where their was n't a Jury Trial. The XXXX County Court System along with XXXX XXXX XXXX consistently violated my Right to Due Process. I have all the documentation to prove every accusation that I can make. This is Corporate Mortgage Fraud at it 's finest!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
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 writing this due to non compliance with the XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2022-09-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
GENESIS Credit Manag {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this credit management company and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Tax lien on my credit report that should n't be on there.

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 2022-09-06
Company: Solar Mosaic LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I started making payment on this solar loan in XXXX of 2022. I did not get any form of installation done till the start if XX/XX/2022. My panels and the services I agreed to are not functioning to this day, XX/XX/2022 and I have called to request the XXXX XXXX be put into place until all is functional. The bank is denying that such a rule exists in our contract and they are refusing to pause payment until my product and services are fully delivered and functional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Upgrade, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took out a debt consolidation loan 2 years ago, I finally got it paid off last month. Ive been overpaying my monthly bill for roughly XXXX months thinking the additional payments were going towards the principle. Unfortunately, the additional payments were taken in interest. I called Upgrade and they told me that I had to call in to make additional payments if I wanted them applied to the principle. My monthly payments were {$270.00} but I paid $ 300 monthly since XXXX of XXXX. 

In XXXX of XXXX, I noticed the additional payment option on their website after paying faithfully for a year and a half. There were several months that I did not have a payment but decided to make a payment to pay the balance down faster. The company is refusing to reverse to the additional payments ( they told me I had 30 days to reverse payments ) that Ive made and they are refusing to refund me. Those additional payments were not principle payments, interest was taken, yet again. Its been 4 months and they are constantly giving me the run around. Is there anything I can do to fight this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
My complaint is with ( PRA ) Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX PRA is currently reporting negatively on my credit report for an old credit card from XXXX XXXX and is no longer within the Pennsylvania statute of limitations. I have called them a couple different times and was completely unsuccessful. They refused to do anything. I 'm hoping that you can help me resolve this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was closed on XXXX/XXXX/2012 due to suspected fraud activity in the amount of {$97.00}.
I was never notified of this and only discovered this information by accessing my XXXX XXXX report. When I have contacted the bank, they have no information on how I can resolve this issue.
Bank of America XXXX XXXX XXXX XXXX XXXX, MO 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 2020-03-28
Company: Minto Financial dba Minto Money
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I checked my bank account and noticed my account balance was higher than expected. I received a deposit into my personal checking account for {$750.00} from Minto Money. This is a loan company that I have never used before and only found out about  after researching the name of XXXX because of this deposit. I have two emails one at XXXX that was in my Spam folder saying I was approved for a loan and to click to e-sign. The second email, also in my Spam folder, was at XXXX stating my loan had been processed and approved. I was currently sleep at the time this all occurred. Throughout the day I never received any phone call stating I received a loan and I did not receive an emails to my main inbox stating anything regarding this loan.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which Transunion dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.

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 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I ve lived in a shelter for the past XXXX years and i have house mortages in my name and car insurances in my name also.somebody is staling my account information and thats fraudulant my name is XXXX XXXX i never owned a car orlived in my own home i also never gave my info out though it couldve been stolen by someone the person who is using my info.i want to start an immediate investigation and criminal and federal charges pending the party of fuaud ( s ) .i do have an finance account i cant acess because i didnt get my account number .please can you or a relating company give me any assistance.thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Rozlin Financial Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled the account with XXXX and the mode of payment ( XXXX ) which was used - months in advance of the annual renewal. Then I received a call from the debt collection agency- XXXX XXXX [ XXXX : XXXX ]. 

I followed up with proof ( XX/XX/22 ) that I had requested the account being cancelled ( per their process ) and am still being told I need to pay for a renewal on an an account I did not use for half of the duration. Additionally, despite repeated attempts to cancel the the dormant account, I still have not received confirmation and expect them to continue this practice next year.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: DISCOVER BANK
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:
1. I have not opened duplicates of any credit card and credit wise shows me multiple opened XXXX accounts and I only appied once and was approved. Then the same with discover I was approved and have multiple inquiries for it also. It shows me having multiple opened accounts and that would be incorrect!!! 

2. I have several inquiries on the dark web as well and have never been on it in my life!

3. I also have never gotten a loan or even applied for a loan at XXXX XXXX, I've been left messages from them also and this wasn't me!!!! 

Please help me my credit has dropped XXXX points today bc this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
XXXX items on my credit report are listed 2 times each. XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX XXXX are listed as write offs. These accounts were purchased by XXXX XXXX XXXX in full and should not be listed as Write Offs any more. I 've paid XXXX of these in full , XXXX XXXX and XXXX XXXX. These are also listed negatively on all XXXX credit reports as Write Offs and Collections. That 's like Double Jeopardy. I 'm being held accountable 2 times on each account and all are reporting negative even though XXXX are paid in full. I have good credit from other resources that are the same installment payments on merchandise and cash loans that all XXXX credit bureaus refuse to report. These would boost my credit ratings. The reporting of my report from XXXX is completely different from Transunion and XXXX. All XXXX have refused to change any information or add or adjust credit as payments are made and on time as well. I was told by Transunion to contact my congressman here in Mississippi, I did, and now, you 're it. Sincerely, XXXX A. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - Experian, XXXX and XXXX. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - Experian, XXXX and XXXX. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - Eperian, XXXX and XXXX. 

4. {$8900.00} XXXX Retrievers date XX/XX/2013 ( XXXX XXXX - Experian, XXXX and XXXX. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - Experian, XXXX and 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