BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In compliance with the Fair Credit Reporting Act. XXXX, XXXX XXXX, Experian, has violating 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 consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the 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 2022-09-13
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: Reporting company used your report improperly

Complaint:
In compliance with the Fair Credit Reporting Act. XXXX, Trans Union, XXXX, has violating 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 consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the 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 2022-09-13
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-08
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on 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 2023-04-10
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At some point my identity was stolen to purchase a XXXX XXXX in Illinois using an Illinois address, I have never purchased a XXXX XXXX from XXXX nor have I lived in Illinois. I have brought this to the attention of CONVERGENT OUTSOURCING but they have not responded or investigated and only rubber stamped their own verification. It is horrible to be the victim of identity theft and it is made worse when people affect your credit and come after you for things other people stole.

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 2022-04-02
Company: Genesis FS Card Services, Inc.
State: GA
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:
I tried to fix my payment options with GENESIS FS CARD SERVICES, but they just keep on sending me back payment slips saying my payments are effective payment instruments. I am sending this complaint to resolve this issue and get my credit report cleared of all GENESIS FS CARD SERVICES residue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Skrill USA, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX XXXX and XXXX, 2020. 
XXXX USD money transferred into a Skrill account ( XXXX ) Skrill confirmed the money transfer via email, but is not allowing me to verify my account, even though Ive sent them 3 separate images, of myself, my drivers license, and the current date ( XXXX ). 
The documents they want are not something I have, any bills I pay are paid online without my address linked, and I dont own a bank account, I was transferring money to my girlfriends account. My drivers license should be more than enough to confirm my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2019 and 30 days XX/XX/ 2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to me.

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 2022-09-13
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: Old information reappears or never goes away

Complaint:
On XX/XX/2022 contacted Trans Union to initiate a dispute for an Identity Theft issue regarding a credit card. I was directed to speak with the " Special Handling Department ''. Upon speaking with that particular department representative I was informed that they were going to " merge '' my file with another file the was in their database that contained similar information to mine. Unbeknownst to me this was information that was previously removed from my credit file due to a previous identity theft issue that was successfully disputed and removed from my credit profile years ago. The special handling representative erroneously placed this fraudulent account back on my credit profile with out my knowledge and full understanding of what she was doing with my account information. the following account : US DEPT OF EDUCATION Reported : XXXX XXXX XXXX XXXX  Closed was removed due to fraud and Identity theft several years ago and transunion just recent added this back on my credit profile, please see attached police report and FTC 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 # 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 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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am applying for student loan refinancing and applying for a mortgage on a first home. I had a credit FREEZE with TRANSUNION.     I have paid the  XXXX  $ to lift that freeze. STILL the mortgage company and the student refinancing company are n't able to access my Transunion credit rep ort ( w hich they both require to have all  XXXX  reports ).     I have called REPEATEDLY and WASTED HOURS of my life. I 'm always transferred to  XXXX  where the reps do n't have a comprehension of what I 'm saying/needing. Then I request to get transferred back to t  he USA to speak with someone. One time after 20 minutes on hold, I spoke with a person who said she fixed it. The other attempts to get my call transferred to the USA mysteriously " get dropped '' and I 'm hungup on.
I STILL ca n't finish my mortgage application BECAUSE Transunion is STILL showing my credit report as FROZEN. EVEN THOUGH I 'VE EVEN GONE ONLI  NE AND REMOVED IT ENTIRELY.     I 'm SO beyond frustrated. I 've lost my  XXXX  $ and my sanity. It 's nearly IMPOSSIBLE to even speak with a human being at Transunion and when you can, the English comprehension is n't available.     Transunion is running a SCAM to take people 's money and cause added stress and frustration in their lives!!!

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 2022-10-06
Company: Navient Solutions, LLC.
State: NJ
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:
I sent a XXXX XXXX XXXX VALIDATION REQUEST by certified mail I followed up 28 days later with a NOTICE OF CEASE AND DESIST letter because none of the requested documents were sent by NAVIENT I am not refusing to pay debt I am simply asking for proof of claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: WA
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 filed for bankruptcy in 2019 but did not list creditors. I changed my mind about filing bankruptcy and 11 days after filing, it was dismissed by the bankruptcy court. I never pursued bankruptcy, never identified any creditors, and never dealt with the trustee. It was dismissed and should have been treated like it was never filed given that no action was taken on it whatsoever. The bankruptcy is being reported to the credit bureaus via XXXX XXXX, not the bankruptcy court itself, which means a third-party with no knowledge or verifiable information is providing it. Also, my full social security number has not been provided so the credit bureaus do not know if the information is accurate or not but are still putting it on my credit report. I never went through with any aspect of the bankruptcy process. Therefore, my credit report should not reflect that I have a bankruptcy on my record. The third party reporting, lack of identity verification are prohibited by the Fair Credit Reporting Act. My rights are being violated by XXXX, Equifax, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: GA
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr.Cooper Mortgage Company ask me to go paperless and switch my account to online banking and I refused. Once I refused issues started of Mr Cooper claiming that they didn't receive my Mortgage payment and issuing me a late fee, although I have several witnesses including postal workers who witnessed me mail my payment 14 days prior to my payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Netspend Corporation
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I just received an unsolicited debit card from netSpend encouraging me to sign up to have my paycheck deposited with them. The card is real and way to easy to activate. Seems very deceptive and comes with lots of fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Radius Global Solutions has been attempting to collect a debt on behalf of XXXX 's that was paid in full to XXXX XXXX. They continue to post negative credit reporting against my report despite the payment being made in full. 

We were in the process of re-financing our home and this transaction required that we receive a payoff amount from XXXX XXXX and rectify the outstanding debt. We received the information from XXXX XXXX for a XXXX payoff of {$3500.00} that was then sent by XXXX XXXX  XXXX to XXXX 's on XX/XX/XXXX and deposited by XXXX 's on XX/XX/XXXX. 

We received additional collection in XXXX of XXXX via mail and responded to them on XX/XX/XXXX outlining the incorrect facts that their purported collections were based on and informing them that they had 30 days to rectify the situation. They responded in late XXXX, via mail again and are maintaining that their collections are valid. 

In XXXX, XXXX XXXX offered a settlement at nearly half of the value that was paid and the value that was paid was the full amount of the outstanding debt. I believe that Radius is performing collection practices that are outside of FTC regulations and local ordinances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2017-08-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
THIS LATE ON MY XXXX XXXX XXXX ACCOUNT IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALREADY SPOKEN TO THE CREDITOR AND THEY HAVE PROVIDED THEIR END LETTER OF AGREEMENT, BUT EXPERIAN DOES NOT REMOVE THIS INACCURACY FROM MY CREDIT REPORT. 
XXXX AND XXXX HAVE ALREADY REMOVE THE NEGATIVE MARK EXCEPT EXPERIAN, NO MATTER HOW MANY TIMES I HAVE SUBMITTED THE REQUEST THEY JUST DONT. 
PLEASE HELP ME TO REMOVE THIS MARK, CAUSE I NEED TO APPLY FOR STUDENT LOAN FOR MY SON. 
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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX and I am a federally protected consumer. I am filing this complaint against TRANSUNION for continuing to furnish unauthorized information to my consumer report. On XX/XX/XXXX I received a letter from XXXX XXXXXXXX stating that " On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( XXXX  ), asking them to remove the hard inquiries listed above. ( XX/XX/XXXX ; XX/XX/XXXX ) '' Furthermore, on XX/XX/XXXX, I received a letter from XXXX XXXX stating that they " have submitted electronic requests to have the inquiries, generated by the credit applications, deleted from your personal credit file. ( XX/XX/XXXX, XX/XX/XXXX ) Please allow up to XXXX days for the update to be reflected. '' I am aware Transunion has up to XXXX days to remove these inquiries but they are still inaccurately showing on my credit file as of XX/XX/XXXX, which is past XXXX days. DELETE THESE INQUIRIES IMMEDIATELY. Attached you will find letters confirming this information should be deleted by now.

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 2022-09-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Complete Payment Recovery Services , Inc XXXX XXXX XXXX XXXX XXXX XXXX This is a debt collection agency of whom are collecting on a debt for XXXX XXXX  I was contacted about a check for {$530.00} that I cash through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was notified the check was returned by the collection agency. The payroll check was cleared through pay pal, but XXXXXXXX XXXX sends me a debt for the amount of my check {$530.00}. My check was cleared by me cashing it and writing void on my payroll. Complete Payment recovery claims that I owe for the full amount above but, the payroll check was cleared through 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 2020-06-21
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tried to purchase two puppies with a contract on XX/XX/20. I made the deposit but the seller has not contacted me. Hrre i the website XXXX I checked the references and use Zelle but there is a trace on the deposit of {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been with  XXXX   XXXX  debt solutions since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept   XXXX   XXXX   and  XXXX   XXXX .   XXXX   XXXX   shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX    still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.

Company response to consumer: Closed with explanation