BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX service is on my credit report. I did a request for verification of a Speedy Cash loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the XXXX I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with XXXX. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from Speedy Cash for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research Speedy Cash. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about XXXX and XXXX. I ca n't find they are invested with each other. XXXX and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX XXXX called my home. He did give out XXXX was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to XXXX. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. XXXX had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that XXXX did get in contact with him to verify him as my lawyer. XXXX had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The credit bureau ( Transunion ) placed a fraudulent address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, on my credit file report, then starting reporting the fraudulent accounts and data on my credit file report. Although, I sent my identification that verified my current and former address as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, the credit bureau continues to report the fraudulent account and report it as accurate.

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 2023-08-04
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: Personal information incorrect

Complaint:
See my attachment. I have a couple addresses which I have the slightest clue as to where theyve been acquired from, as Im unable to receive mail to those addresses, so Id like them removed immediately. 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 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.

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 2017-04-09
Company: Clarity Services
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am current member of XXXX, XX/XX/XXXX I received an alert stating I have a new credit inquiry. Since, I am currently in the process of pre-qualifying for a home, I was very curious to see why there was an inquiry on my report. The name of the company is Clarity Services, there is currently an inquiry from them on my report. I distinctly remember the day before I unsubscribed from a least XXXX places in my email that were asking me to finalize payday loans. I attempted to contact Clarity Services on more than one occasion, each time I was on hold to speak with a representative for at least 30-45 minutes. I want the company to provide me with proof that I authorized them to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
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. 

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 explanation
Consumer complaint received 2022-12-14
Company: Veros Credit, LLC
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 information incorrect

Complaint:
Account name : Veros Credit XXXX : XXXX Dated : XX/XX/2016 I have reached out to company asking if they can update information with credit bureau and they have given no response and or any accurate updated information to credit bureaus. This account was paid in full by another parties insurance company due a at fault accident on the other party. Contacted company multiple times on and after ( XX/XX/XXXX of XXXX  date of accident ) and have not got any resolution and also have attempted numerous times with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 NOTICE OF DISPUTE : DEMAND FOR VALIDATION AND PROOF OF CLAIM Attn : Credence Resource Mana, XXXX and XXXX. 

This letter is being sent to you in response to erroneous data reporting on my credit profile {$160.00} CREDENCE RESOURCE MANA ACCOUNT XXXX. Be advised that the claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by me. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within ( 15 ) days after receipt of this letter. 

This is NOT a request for Verification or proof of Claimant mailing address, I have received their alleged in house Data reporting on XXXX and XXXX reporting on my profile.. I am now seeking VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence as per the attached Declaration of Proof of Claim that I have any legal obligation to pay the unsubstantiated alleged erroneous debt. 

At this time I will also inform you that if XXXX and XXXX have reported invalidated information to my credit profile prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact, I am requesting that this erroneous reporting be removed until validated or I will not hesitate in bringing action against XXXX, XXXX and Credence Resource Managment for the following violations. 

-Violation of the Fair Credit Reporting Act -Violation of the Debt Collection Practices Act -Defamation of Character -Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) If your offices fail to respond to this validation and proof of Claim request 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Title 8 USC 809 Validation of debts [ 15 USC 1692g ] ( b ) if the consumer notifies the debt collector in writing within the thirty day period in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Report provided to employer without your written authorization

Complaint:
I AM WRITING TO DISPUTE THESE FRAUDULENT CHARGES ON MY ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE. I AM FILING THIS COMPLAINT FOR MYSELF NOT ANYONE ELSE. REMOVE THE FRAUDULENT CHARGE AND ANY RELATED FINANCE CHARGES FROM MY ACCOUNTS. PLEASE SEND ME AN UPDATED AND ACCURATE STATEMENT AND BLOCK THE ACCOUNTS. I ALSO REQUEST THAT YOU STOP REPORTING THIS INACCURATE INFORMATION AND REPORT THE CORRECT INFORMATION TO ALL THE NATIONWIDE CREDIT REPORTING COMPANIES TO WHICH YOU PROVIDED 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2020-04-01
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I never wanted or asked this company to take over my loan. I have a lot to say. For the record the previous cfpb complaint did nothing to address my issues and as they cotninue to bill me prop preservation costs when they are needless, they are against NJ law, and they know or SHOULD know i am in my home i am preparing to head to court. This company has a bad record. I know these little mom and pops like XXXX try to get away with things. And Fay is no exception. While my loan was transferring i sent a bunch of certified mail requesting personal service. I have gotten no response, no statement of account as I requested from Ms XXXX. Who by the way has not returned any of my phone calls. XX/XX/XXXX you billed me a property preservation cost no one came here, NJ has just asked all these fees to cease and i know this is a needless and legally questionable fee that banks bill even when they know i am in the home. Especially given i am not getting the help i call and write for this is questionable more than that despite what may be in the loan agreement, you know or should know i am in the home and i will not pay the fees. I know my rights, the case laws and court decisions regarding this issue. I received a letter not a phone call from Ms XXXX which i requested asking for info I have given to XXXX XXXX for a loan deferral. You keep billing me needless legally questionable property preservation fees when they are not necessary but no one has gotten back to me except XXXX XXXX who does not call me when i ask him to. I asked to make a payment from Ms XXXX she never called me with an update or to take my payment. I ask to be called at a certain time. 
you can fight me on the fees but if need be i will sue in small claims court with case law in hand. No inspections needed you know i am here you know because i have written called and no one responds. No one was here XXXX nor is there a reason legally viable to ccome here. there is no give me info i need to complete my review which i do not have. I asked to be called after XXXX XXXX  eastern so i can pay the mortgage only. 
this company has a rep of taking advantage of peole i see that it wont happen to me. 
i want my review to go forward. period. i will pay no fees. No communication which is required by law BEFORE an inspection occured. I also need cease and desist on my account. I will never pay any fees NJ has called for banks to cooperate during this time i need to know if this bank or whatever you are is on board. I will pay no fees. i will take you to court before i do. No answer like its in the loan will address this. I AM IN THE HOME YOU KNOW WHAT AS SUCH NO NEED FOR INSPECTIONS FURTHER I CALL AND WRITE AND GET NO RESPONSE AS TO WHAT IS NEEDED TO FINISH REVIEW WELLS STARTED. STOP THE LEGALLY QUESTIONABLE INSPECTIONS I KNOW MY RIGHTS AND WILL GO TO END OF EARTH TO PROTECT THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently pulled all three of my credit reports, XXXX XXXX and XXXX. After reviewing them I noticed a collection account in the amount of {$570.00}. I am not sure how this has come about. The company listed name is Jefferson capital. I have never had any business dealings with this company whatsoever. I have also disputed this account several times and continued to get automated email responses stating that the account is accurate and will continue to report as such. I have requested for the company to send real verified documentation showing that I am responsible for the bill, but they have yet to do so. I am working full time and I am also in the process of trying to purchase a new car but my credit score has been severely impacted in a negative way due to the inaccurate collection that is listed on my report. Please remove this negative item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
INFORMATION BEING REPORTED TO CREDIT BUREAUS ARE INCORRECT. 
THESE ARE NOT MY ACCOUNTS.

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 2023-10-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/23 - I reported that the {$10000.00} charges on my card from XXXX XXXX were fraudulent. The charges were removed by Citibank. 
XX/XX/23 - XXXX of the XXXX XXXX fraud charges totaling {$5800.00} were put back on my account. I called Citibank again to report these charges as fraud again. Citibank claims XXXX XXXX sent proof that I made the charges, despite the fact that the telephone number, email address, and travel companion information provided by XXXX XXXX do not match any of my personal information. 
XX/XX/23 - I emailed Citibank to continue the dispute. 
XX/XX/23 - I reverse looked up the information provided by XXXX. The phone number of the person who made the fraudulent reservations was from a land line in XXXX  and the email address used by this person does not exist. 
XX/XX/23 - I called Citibank and was told the charges are still under investigation and can't be removed from my account. I also emailed them sending them the information I looked up about the information provided by XXXX. 
XX/XX/23 - I wrote a letter to the XXXX XXXX XXXX XXXX at XXXX XXXX to inform them of the fraud and someone intending to fly using my identity. I also emailed Citibank dispute center again. I was doing this almost every day. 
XX/XX/23 - I filed a police report regarding the theft of my credit card number. 
XX/XX/23 - I froze my credit on all XXXX credit agencies. 
XX/XX/23 - I was notified on my Citibank online credit card account that all XXXX fraudulent charges of {$750.00}, {$770.00}, {$1000.00}, XXXX, {$1100.00}, and {$1200.00} will have a security credit issued. This has not happened. 
XX/XX/23 - Only XXXX fraudulent charges were reversed. I spoke to XXXX different people at Citibank, XXXX in customer service, XXXX in fraud, and XXXX in security operations. Not one person could explain to me why only XXXX of the fraudulent charges were credited back to my account. 
At this time the remaining fraudulent charges of {$1000.00} and {$1200.00} still remain on my account. No one at Citibank responds to my written correspondence. No one on the phone at Citibank in any department has a clue what is going on with my account. No one at Citibank can explain anything to me. All I am told over and over by Citibank since XXXX is " it is still under investigation. ''

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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Credit Counsel, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband received care at a rehabilitation facility called XXXX XXXX XX/XX/XXXX. All services were paid for upfront through our insurance and we also paid around {$60000.00} for his stay at the facility. On XX/XX/XXXX we received a notice from our insurance company advising they received a bill from what appears to be a company related to XXXX XXXX. They refused payment due to incorrect diagnosis codes, modifiers, unit or place or service. We later received what appears to be a medical bill from the rehab facility reflecting a remaining balance due of {$4500.00}. At the bottom of this bill there is a hand written note showing a balance of {$290.00} for " Canteen Items. '' I've never received a medical bill like this in my entire life. When my husband attempted to contact XXXX XXXX directly to dispute these erroneous charges they couldn't explain the bill and refused to send his dispute to the their billing department. They instead advised he should contact a XXXX XXXX who is supposedly with their billing department. However, we've received phone calls from XXXX XXXX ( XXXX ) and when we've attempted to call him directly he is never available. I've attempted to contact him directly and have left voicemails advising that we're disputing this bill and requested him not to call us again. He later made attempts to contact my husband and I through my parent 's in law and advised them of this medical debt WITHOUT OUR PERMISSION. He left me a voicemail again on XX/XX/XXXX. To date we haven't received a bill or notice from XXXX XXXX about this fraudulent debt. When I called today XX/XX/XXXX I spoke with another man. He advised XXXX XXXX wasn't available, so I advised him we're disputing this fraudulent debt and requested to be put on their Do Not Call list. He refused to stop the calls and advised I would have to tell XXXX XXXX myself. I advised his company is breaking multiple FDCPA guidelines and he replied " they don't have to bend to my will and I could probably end up getting sued, this isn't a sales call so these guidelines don't apply, and he finally advised if I don't want these calls to continue then I should get an attorney. '' I would like to advise I've now contacted an attorney per their request. I confirmed that the actual company contacting us is NOT Serenity Oaks, but a debt collection agency called Credit Counsel Inc., CCI. AGAIN, we have never received anything in the mail from this company! During my call with the gentleman today, XX/XX/XXXX, at no time did he EVER give the mini-Miranda disclosure required per FDCPA guidelines.

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