BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-17
Company: The CMI Group, 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 is not mine

Complaint:
Credit Management Ltd has filed negative information with XXXX three times in the past three months for the same debt with XXXX XXXX. First, the name on the debt is not the same as anyone who lives here. While it is similar to my wife 's name, it is not the same name. Second, we have never been customers of XXXX XXXX. We do not live in a XXXX XXXX area. None of the false addresses registered with XXXX are the same as ours. We have lived at our current address for 32 years and do not have another address. We have never received a monthly bill from XXXX XXXX. We have never used XXXX XXXX service. This debt is not ours. We will not pay it. XXXX keeps going from one debt collection agency to another trying to collect on a debt we do not owe. While XXXX is the victim of someone else 's fraud, that does not make us responsible for the debt. We do not owe the debt. We will not pay the debt. Credit Management must cease and desist their repetitive claims to XXXX on a monthly basis for a debt we do not owe. They 're playing a game to extort money. They file the claim each month, we dispute it each month. XXXX removes the claim each month. Credit Management needs to stop wasting XXXX 's time and stop harrassing us. There is no XXXX XXXX at our address. Never has been. They need to locate the real person who ran up the debt and approach them for payment and leave us alone. 

This claim has already been disputed and Credit Management removed the claim and the false name before. They must do the same again and cease and desist from all further claims in this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is not accurate CONVERGENT OUTSOURCING # XXXX. My bill was PAID IN FULL XX/XX/2021 directly to XXXX XXXX. I do not have any contracts with CONVERGENT OUTSOURCING. This account has no business being on my credit file.

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 2022-11-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  : Account number : 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 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A few years ago I was fooled into attending online classes from XXXX university. The classes were worthless and the credits were not able to be transferred to a local university I decided to transfer my degree to. I was under the impression that my loans were all federal, and all through XXXX. I recently had to file bankrupcty and I was aware that my federal student loans were not going to be discharged, and after I received my discharge papers I sat down to go through the mess of student loans. Now all my loans seem to be serviced by navient, including XXXX loan in particular that is a private loan for XXXX university. This loan in particular is listed as a private student loan from XXXX university. There was a lawsuit against the original servicing company and I have already filed for bankruptcy personally. I have spoken with representatives from navient and have repeatedly requested the promissory notes and loan documents but they refuse to provide them. They simply state they have my social security number and am liable for the debt. I was rather naive regarding attending XXXX university and at the time they had all the bells and whistles that made it look like they were going to be a fair and advantageous school to attend. I was sadly mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I have written and requested that Trans union, XXXX and XXXX and asked them to please remove the incorrect addresses from my report and also to remove all Hard Inquiries from my credit report immediately! 
The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
Trans Union The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX ... 
XX/XX/2016 2. XXXX XX/XX/2016 XXXX. XXXX XX/XX/2016 4. XXXX XXXX XX/XX/2016 5. XXXX XXXX. XX/XX/2016 6. XXXX XX/XX/2016 7. XXXX XX/XX/2016 8. XXXX XXXX XX/XX/2016 9. XXXX XXXX XX/XX/2016 10. XXXX XXXX XX/XX/2016 11. XXXX XXXX XX/XX/2016 XXXX. XXXX XX/XX/2016 These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
XXXX Account Name 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 Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2022-11-22
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX 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 XX/XX/2022 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 CO ( XXXX ) - ( XXXX ) XX/XX/2022 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 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

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-30
Company: Experian Information Solutions Inc.
State: CA
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 trying to unfreeze my account with Experian and I am unable to log into my account. The login does not accept my username or password. When I select 'forgot your username ' of 'forgot your password ' it takes me to a page to enter my date of birth and social security number. When entered I get a reply 'sorry that didn't match up, please try again '. This is also true for my wife 's account. 
There is no possible way to call and talk with an agent at Experian. No way. I finally selected 'fraud alert ' on a site, but I have no idea what that does for our problem. 
We were hacked a week ago, and I am suspicious we are subjects to identity theft, and if so, there is no way to stop it without actually talking with an agent to prove my identity and access our accounts. 
Even if there is no fraud, I can't start from scratch and try an open a 'new ' account with my date of birth and social security number to see what the response would be from Experian. 
This is not happening with XXXX and 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 non-monetary relief
Consumer complaint received 2016-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My personal information has been exposed on a fraudulent credit reporting site, 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 2022-11-22
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used the XXXX 's internet serviced by XXXX since XX/XX/XXXX and charged at less than {$20.00} per month by yearly contract and paid all the bill on time except the last statement in XX/XX/XXXX when I need stop the internet service due to relocation. I called XXXX to stop my service and they agreed to bill me the balance to my new address. After two months, I got the statements over {$40.00} plus the late fee of {$60.00}, so the total balance on the last statement is {$100.00}. I complained to XXXX asking them how my last statement increased from {$20.00} to {$100.00}. The representatives said I didn't paid the last two months. I explained to them my online account is inaccessible due to the closure and I didn't receive the bill until two months later. I disputed firstly the late payment fee of {$60.00}, which is not my faulty, secondly is the final statement of over {$40.00}. while I didn't get the reasonable explanation or reconcilable solution for my statement. XXXX ( XXXX ) just sold this disputing statement to the third party debt collector twice. The first debt collector report my collection to XXXX and XXXX and I called debt collector, XXXX and XXXX and my disputes result was this debt collection record was removed from my credit report. However, this debt was sold to Eastern Account system and they report to XXXX and XXXX again. XXXX  clear this report but XXXX didn't clear this report and indicate this record is correct. I can't agree for this dispute results and they just suggested me to file the complaint on CFPB 's website. 
I want to complain XXXX 's billing system is very tricky and always overcharged the customers. During my 3-year contract with XXXX, I've complained they're overcharging for numerous times. XXXX, by virtue of its monopoly status as the only internet service provider in the neighborhood, always billed the wrong statements based on their unfairness clause in the contract, as the consumer, we have no other choice but paying the buckets since it really wastes time and effort to argue with them. Please do investigate XXXX 's billing system. I'm not the only one overcharged or misstatement on the bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Statebridge Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXXXX/XX/XXXXI am writing to seek your help with a Mortgage Creditor XXXX Statebridge XXXX that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a XXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 

Now in hopes of regaining our once impeccable credit and meeting all of our financial obligations for nearly 7 years, we request them to report payment history. No avail. We sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus.Again no avail. On phone calls, they simply state that they will " NEVER '' report our account to the bureaus. 

My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We ask that you assist us with this matter. Below is the Company/Account information. 

Statebridge Company - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX # XXXX : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX / Loan # XXXXThank you sincerely, XXXX and XXXX XXXXXXXXXXXX : Final XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Reporting company used your report improperly

Complaint:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate.

Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I hear that if you can't provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD 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 2020-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 3 months later, I have not received a response yet. I know they are backed up because of Covid but I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people.

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 2015-11-09
Company: Paypal Holdings, Inc
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I use paypal to transfer funds for payment and receipt of payment. 

With respect to payment receipts, paypal recently revised their system to report the amount that was sent to me as the funds transfer total without any regard to the net amount after paypal removes its fee. thus, paypal is over reporting each funds transfer and my total account balance. when asked, paypal states that they can not do anything about this because of their recent changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX  Account # XXXX Account name XXXX XXXX  Account # XXXX and XXXX and XXXX and XXXX, Account name : XXXX XXXX  XXXX Account # XXXX Account nameXXXX  account # XXXX XXXX Account name XXXX  Account # XXXX, Account name XXXX XXXX account # XXXX and XXXX and XXXX, XXXX, XXXX, Account name XXXX  XXXX, XXXX Account name XXXX XXXX XXXX  XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX account name XXXX  XXXX account name XXXX  XXXX XXXX account name 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

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 2022-11-22
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Collection Technology Incorporated
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collections Technology Incorporated called me regarding my sister 's debt on my cell phone line. They were extremely pushy on the phone. 

The XXXX specific individuals from the company that I spoken with were XXXX XXXX XXXX XXXX XXXX and his supervisor XXXX XXXX XXXX. His supervisor repeatedly belittled me and my knowledge of the law. 

The company 's phone number is XXXX XXXX XXXX XXXX and the individual 's extensions were included above. The time of the call was XXXX XXXX ( XXXX ) on Monday, XXXX XXXX, 2016.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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