BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, I received an invoice from the XXXX XXXX XXXX XXXX in the amount of {$590.00} for cable TV services provided. Because I have not requested such a service, I called the company to find out what was due to that charge and I was told that I could not make the claim by phone, that I should go to an agency. I did so and I was given several invoices at the Agency in which I could notice that the person requesting the service used my name " XXXX XXXX '' with address in XXXX XXXX XXXX XXXX XXXX XXXX. On the above, I would like to clarify the following. Since I arrived in XXXX, I purchased a telephone line with XXXX XXXX XXXX personally but then charged the account of my daughter XXXX XXXX, who is in charge of the payment. I do not fail to say that I do not use any other XXXX XXXX XXXX service for three reasons : the first because I do not have the economic capacity to pay for cable television, second because the Mobile Homes residential where I live requires XXXX  services and they do not allow one to use the services of other companies and third, I have XXXX  years of residing in XXXX, Texas, I do not Therefore, I request to investigate who was the person who requested such a service using a name equal to mine and to clean my name to those who apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/2023, CA XXXX XXXX Attention : XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear XXXX XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX : XX/XX/2023 Made with : Experian To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interes Finally, assumin you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i was a victim of idenity theft. i have XXXX accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXXXXXX XXXX- date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3.XXXX XXXX XXXX XXXX  -date fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response

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 2023-04-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are good citizens and believe in paying what we owe. 

Like many Americans during Covid, we struggled with keeping up with bills and the mortgage. In XXXX, we took advantage of the federally supported mortgage relief program and deferred payments for a few months. The loan was extended for the deferred period with interest. 

In XXXX, we continued to suffer financially, and we accepted another Covid related deferment. From about XXXX, XXXX, we deferred ( did not pay ) our secondary mortgage. In XX/XX/XXXX, we began making payments again, as was our understanding. And we have continued each month through XX/XX/XXXX. According to Wells ' 'help ' program offical documents ( which is acutally a new mortage - BS ), we owe {$1300.00}. For the past several months ( check the recordings ), I have repeatly sought to pay this, and with interest. Instead, just today, I got yet another forclouse notice. 

In XX/XX/XXXX, I received a call from a Wells Fargo rep. He told me I needed to decided how to pay the deferment almost immediately, or Wells may go forward with foreclosure. I immediately protested ( this is recorded ). 

Wells Fargos intimidating tactics are clearly part of strategy. Its wrong. Id be happy and would welcome disclosure of all our conversations, despite my frustrated anger and times. 

I would never do business with Wells and have been telling everyone I know to avoid them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2022-12-20
Company: EdFinancial Services
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EdFinancial just got this account from XXXX XXXX. Apparently prior to signing the contract with the Dept. of Ed, they were unaware of the outstanding class action law suit filed against the Borrower Defense division, which the Judge on the case ruled in favor of the Plaintiffs on the final settlement. See all attached. Per the courts this loan never existed constituting it needs to be completely removed from my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX 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 XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.

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 2020-01-31
Company: Auto Trakk, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company name is XXXX and I tried numerous times trying to reach they're Fraud Department to inform them of a debt they are putting on my report. I filed Identity theft to get this account remove and it was remove but reappeared on my credit again. This is not legal and I want this account removed from all 3 bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a dog bowl from XXXX XXXX and I used XXXX. It was 4 payments of {$36.00} each for a total charge of of {$140.00}. 

Trot Pets went out of business and never sent me the product. I provided all of this documentation to XXXX several times and they sent my account to a collection agency. I did not pay them because I never received the product. 

The 4 charges go XXXX  were done through my credit card company ( XXXX ) who also reversed my charges to XXXX because I never received my dog bowl because the company went out of business. 

I just received notification today that True Accord Collection Agency has finished their investigations and I am responsible. 

Again-I did not receive the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX  XXXX Balance Owed : {$300.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Sent a validation a debt letter to LVNV Funding LLC and they failed to send in the requested documents that are by law required to be disclose if requested by law.. Instead they sent in a made up documents claiming validation of debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an issue with one of the collection agencies ( Midland Credit Management- XXXX XXXX XXXX XXXX on my credit report. This is exactly how the conversation went, and I do not think this is right and fair. 

-I had a {$1500.00} balance on my account. 
-I called to set up an arrangement to pay over {$1000.00}. 
-The collection agency confirmed that over {$1000.00} was paid. 
-I disputed the account because the account was supposed to be settled and closed -The collection agency refused to close the account.

-I called the collection agency and they said that they want to negotiate a new settlement since I disputed them after over {$1000.00} was paid from me -I told them that is not right. This account was supposed to be closed -The collection agency responded with this exact statement " We are not obligated to offer you any discounted settlements. You either have to pay us or the account will remain open. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX  GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX - Account Number XXXX XXXX DEPTEDXXXX - 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states 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.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed

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 2020-06-19
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX year old just received a solicitation for an account. There is a master card attached with a XXXX digit umber and notification how to open an account on a sticker on the card.

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 2022-07-25
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I currently have an outstanding balance with the company. On XX/XX/XXXX, I entered into a payment agreement with the company, agreeing to pay {$59.00} per month until the outstanding amount of {$1200.00} was resolved in full. I did this with the full intention of paying more than was necessary so as to pay down the debt quicker. After this payment plan was established, I began receiving monthly bills from the company despite my paying each month. 

On XX/XX/XXXX I received a final notice requiring me to pay the amount of {$230.00} for services provided on XX/XX/XXXX. A payment satisfying the amount was made on XX/XX/XXXX. On XX/XX/XXXX I received a second final notice requiring me to pay the amount of {$110.00} for services provided on XX/XX/XXXX. I mailed a check to the company on XX/XX/XXXX for the full amount. On the same day, I received a letter dated XX/XX/XXXX from Credit Collection Services saying that the company had transferred my debt in the amount of {$230.00} to their collections service. The debt is for services provided on XX/XX/XXXX. In spite of the fact that I paid the full balance required of me, the company transferred my debt to a collections agency and continues to send me final notices via mail, despite my continued repayment of the debt. 

I called the company on XX/XX/XXXX looking for a resolution to the issue. A company customer service representative informed me that, while they would open an investigation into my issue, they could not guarantee the collections transfer would not impact my credit score or account standing. I was given a case number and told to call the collections agency, that they would be able to address my concerns. Upon calling the agency, I was placed on hold for 45 minutes and then told that their service center had closed for the day. While the company has told me that they would communicate the error to the collections agency, I currently have no way of ensuring that is the case as the representative I spoke with stated that the company does not provide written proof of the communications or proof of payment to the customer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an adverse notice from a creditor who is reporting that Experian provided them with a XXXX credit score. I check my Experian credit score daily and it is currently XXXX. The creditor further advised that they are unable to verify information the information contained on my report. None of which makes any sense to me. My credit score is between XXXX - XXXX with the other credit reporting agencies. Every month I have to report these agencies for FRAUD and incorrect entries that impact my quality of life. They refuse to remove the entries and lie and say theyve been verified when they are disputed. I know they arent disputed because the said account that Im constantly disputing HAS BEEN PAID OFF! As a result, I have suffered countless losses because of this issue and Im sick of writing to you about it. Now Im going to take legal action and sue Experian for personal loss/suffering, humiliation, and damages since they cant seem to amicably resolve this issue via the CFPB.

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