BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For over 2 years I have been fighting this debt the name is invalid, and the address, the social do not match mine I did not open any account or authorize anyone to and they are fully aware of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX XXXX XXXX back in XXXX  to have them remove the incorrect information that's hurting my credit report/score and my ability to obtain a new car loan. And further my credit building progression.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: FL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2023-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been getting threatening calls about a lawsuit for an amount I allegedly owe and have repeatedly asked for information to be mailed to me as I refuse to make any payments over the phone. The " legal representative '' from " XXXX XXXX XXXX '' on behalf of their client Wells Fargo has been nothing but rude to me and threatened that I would have my house taken from me in court over this! They have never sent me any bills in the mail to prove that I owe this alleged debt from over XXXX  years ago. I currently pay my XXXX student loans through the Department of Education so I have no idea what money they are trying to collect from me. The representatives refuse to tell me what this is for and tell me I am being sued. I have never received any paperwork in the mail from Wells Fargo or this " XXXX XXXX XXXX ''. They are telling me I am being sued and that I will be served some documents that I have to sign. I refuse to sign anything that I don't know about it.

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 2020-12-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am having issues with Lakeview XXXX/XXXX  in starting a VA streamline refinance application. I have had a forbearance period which is ending at the end of XXXX - Account is current and paid through XX/XX/2020. I have also sent them my intent to refinance back in XXXX and nothing was done with the letter I sent in I am being told that I need to wait 30 days in order to start the VA streamline refinance. I have asked for a written document that states the above guidelines, but Lakeview is sending back to XXXX. While XXXX is stating that they don't deal with the loan application process and that Lakeview is the entity I should contact. 
I was even provided with a XXXX phone number which sends me to a voicemail that states the extension was no longer in service for Lakeview. I spoke to a XXXX at XXXX who provided me with the above phone number. I have asked a " XXXX '' from Lakeview for his last name so I can document my interaction because he stated the 30 requirement and he refused and hanged up the phone. I have called back and I am still getting the runaround. Additionally, soon after these phone calls, I have been unable to log into my account online.

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 2020-12-16
Company: EQUIFAX, INC.
State: IL
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 XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the Equifax data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
After speaking to credit bureaus I was told Navy Federal Credit Union report my payment of XX/XX/XXXX, for the month of XX/XX/XXXX late after speaking to a Navy Federal rep. She assured me that Navy Federal will correct the two lates and it have yet to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Weve been having continual fraud on our account with the Bank of America card. Whenever we notice a transaction is not ours, we let them know. While some transactions have been refunded, we have {$4000.00} that have not been refunded. Bank of America is disputing legitimate transactions which is causing us problems with our vendors. Despite telling them that the {$4000.00} isnt ours, they keep denying the claim.

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 monetary relief
Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting 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:
On XX/XX/2023 unauthorized Inquiries were made with using my 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 explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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 non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
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:
These accounts were open as a result of Identity theft in my name without my consent nor my knowledge. These Credit Bureau is failing to delete these items and block these accounts. Theses Credit reporting agencies is failing to comply with federal laws.

Company response to consumer: In progress
Consumer complaint received 2020-12-16
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We make a payment since a week, they told us they will send us a receipt for the payment and that never happens. 
We call 3-4 times a day every day and they continue telling us the same thing. 
Were trying to buy a house but because of this, that they dont give us the receipt or remove the account from collection Were literally in the streets with our XXXX little XXXX. 
Because of this company Credence Resource Management , LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Have had two lawyers and both refused to proceed with case. I have all documents to prove what happened. My credit was ruined and I have contacted both car dealer and Wells Fargo. For one year and a half I have contacted them. XXXX XXXX XXXX  car dealership wrote a fraudulent contract. The mileage was different on contract than with state of XXXX XXXX XXXXXXXX records. The car was a lemon. I did have a 30 day warranty but the dealership refused to take car back. I have been trying to get help for years.

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 2020-12-16
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXXXXXX XXXX provided service XX/XX/XXXX and generated a {$2100.00} and {$280.00} charge but did not submit the claims to my medical insurance in a timely fashion and in XXXX it was first resolved that there was no patient liability. I have disputed the claim on my credit report twice now and have had it removed but they continue to harass me with the same report to credit agencies and affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: DE
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:
Equifax Continues to report an alleged account that should have been removed. XXXX, has responded to my sworn testimony ( Affidavit ) and placed the responsibility on the credit bureaus.XXXX   as well as XXXX  have removed this item from my credit report. Equifax, in turn has updated this alleged account to show a XXXX  balance instead of removing it from my profile.They need to show how this alleged account can not be valid but remain on my credit report to do harm to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I would like to emphasize my belief that this limitation may have been imposed in error. I have always strived to abide by PayPal 's policies and guidelines diligently, ensuring that my account activities remain in compliance. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action.

In light of the above, I kindly request that PayPal conducts a thorough review of my case. I understand that errors can occur, and I am hopeful that upon re-examination, you will find that my account should not have been permanently limited.

I kindly ask for the opportunity to provide any additional information or documentation necessary to support this appeal. My goal is to resolve this issue amicably and regain access to my PayPal account.

I genuinely value the services provided by PayPal and have always considered it a reliable platform for my financial transactions. It is my hope that we can work together to rectify this situation promptly.

Thank you for your attention to this matter. I eagerly await your response and any instructions or steps required from my end to assist with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2020-12-16
Company: EQUIFAX, INC.
State: FL
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 would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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 recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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 2023-03-28
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:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXXdept of ed # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 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 moreover 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 2023-11-22
Company: Experian Information Solutions Inc.
State: TN
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'm the victim of identify theft and I don't recognize one or more of the fraudulent accounts on my report and I would like to get these fraudulent accounts and addresses removed and blocked. The following addresses are XXXX XXXX XXXX XXXX XXXX tn XXXX and XXXX XXXX XXXX XXXX XXXX  tn XXXX and these addresses are linked to several accounts listed on my identify theft report. Fraudulent Accounts, XXXX date XXXX account number XXXX amount of fraud XXXX. XXXX XXXX XXXX date XXXX account number XXXX amount of fraud XXXX. XXXX XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXX account number XXXX amount of fraud XXXX. Fraudulent Inquiries, XXXX XXXX, XXXX of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.AS YOU ARE WELL AWARE, UNDER 15 U.S.C. AND 1681i ( FCRA ), YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION. YOU HAVE ALREADY VIOLATED FEDERAL LAW BY REPEATEDLY REPORTING INACCURATE INFORMATION. FOR THIS IS A VIOLATION OF FEDERAL LAW THAT I HAVE A RIGHT TO SEEK REMEDY AS IT HAS CAUSED ME DAMAGE IN HOW I AM VIEWED BY LENDERS, AND TERMS OF LOANS RECEIVED. HOWEVER, I ORDER TO ACHIEVE AN AMICABLE RESOLUTION OF THIS MATTER, I REQUEST THAT WITHIN FIVE DAYS OF RECEIP OF THIS LETTER THAT THE TRADE LINE ASSOCIATED WITH THIS COMPLAINT BE DELETED FROM MY CREDIT REPORT, AS PRESCRIBED BY FCRA. I HAVE INCLUDED COPIES OF MY IDENTIFYING INFORMATION TO PROVE MY IDENTIFY. I LOOK FORWARD TO AN EXPEDITED CONCLUSION TO THIS ISSUE.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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.

The letters are stated with items and issues.

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 2023-08-01
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, 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 XXXXXXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.

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