BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COMPLAINT DESCRIPTION My debt was with XXXX XXXX, an attorney at law in XXXX, KS, on which I was making payments. I have included a document where it informs me that this debt has been transferred to XXXX XXXX XXXX, PA, along with all the payments I have made to them. I called the number XXXX XXXX XXXX provided, was transferred to an associate named XXXX, and was told to keep making the same monthly payments but send them to their address. I copied every statement with the check attached, the date, and the new balance after each payment. Then, in late XXXX of 2022, they sent a letter demanding an amount that had increased more than the original amount they said I owed back in XXXX. I have not missed a payment, and my bank confirmed they did deposit the checks. I'm in my XXXX and on a fixed income. I hope you can help. 



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Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-05
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently sent a proof of debt validation to CREDENCE RM to validate that the debt they erroneously claim belongs to me. There was no original contract, personal identification, and any other documentation included in their response letter that proves that the debt belongs to me. I want Credence RM to immediately stop reporting this account to the XXXX, XXXX, and XXXX in addition to removing all inaccurate reports made up until now. 



Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this account was opened without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}

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 explanation
Consumer complaint received 2023-08-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone made fraudulent transfers of money from my debit card using Moneygram. I contacted the debit card issuer and the police to report the fraud. I was instructed by the police officer investigating the case to get a phone number so he could reach Moneygram to discuss the fraud so criminal charges could be made against the person responsible. I was told by representatives of the company including a fraud department supervisor that I would need a subpoena to get any information regarding the transactions made that totaled over XXXX dollars on my card. I asked for a number that the law enforcement officer to call so that the subpoenas could be sent and they told me to have him call the main number. He called the number and was told that he couldnt get any information without my consent which I had already given on a recording. They refused to even give me an address to send the subpoena. I spent well over an hour on the phone with them and asked them if they were documenting this and if this fraud complaint would be documented and was told it was not. I am so frustrated with this whole process when all I am trying to do is get those responsible for the fraud prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX a default judgment was entered against me for a credit card. When the default judgment was entered interest of {$2000.00} was added to the judgement for a time period that the company did not own the account the credit card account was charged off in XX/XX/XXXX interest was charged from XX/XX/XXXX I seeked the courts to intervene on this matter and because the judgment was already entered and time had passed the judge was unable to overturn this I am now having to pay interest I never owed to this collection company that has broken the fair debt collection act ( FDCPA ) thought its practice of retroactively imposing post charge interest on consumers debt. i am asking for assistance I have tried to settle the account which they refuse to do unless I pay 85 percent of the debt in full. Please help stop this creditor from predatory  collections on monies they are not owed.

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have not given my consent to publish my personal information and I am unaware of all these inquiries that are affecting my credit report and I have reported to all the agencies that are reporting these inquiries that are fraudulent and have not done anything to remove them and it is damaging my credit and these are the names of the companies : 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 2022-06-05
Company: EQUIFAX, INC.
State: MI
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 Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX COLLEGE Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number XXXX has called me : Saturday : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX Sunday : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX From XXXX  around, it seems like this is a collections company that works with synchrony bank. I do have an account with them that I missed one payment on ( total account balance under {$250.00} ). My check is in the mail ( I put it in the mail on XX/XX/19 ) to pay the entire balance and late charges. This is ridiculous and uncalled for harassment for one missed payment for such a low balance.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: MO
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 sent documents for dispute reasons with Experian, VIA US Mail on XXXX XXXX XXXX received an email stating they received my documents but do not believe it was sent by me. I did include my Drivers Licence copy along with the dispute papers in the letter. I do not understand how they determined it was NOT sent by me when it clearly was and signed/dated and my ID attached to the dispute papers.

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 2022-06-05
Company: Exeter Finance Corp.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company has performed numerous unfair credit reporting acts to intentionally damage my credit. My attorney stated that Exeter Finance LLC sold this alleged debt to a debt collector, which I am unaware of, and that you Exeter Finance LLC is in violation of fair credit reporting practices. 

The alleged debt is a closed debt with no balance owed and Exeter Finance LLC has benefited from having sold this alleged debt. Law states that as the original creditor they can not continue to report a balance due if they have sold the account to a collections agency. The only exception in which they can report is if it is in a charge off status which it is not and therefore, they have to delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are reporting inaccurate information on my report in regards to the " closed '' student loan account. Transunion told me that the open date is akin to the day the loan was created which was in XXXX, but i graduated in XXXX which makes this information incorrect. Furthermore since i refinanced the loan there are two loans reporting similar things on my report which makes it inaccurate or a violation of 15 U.S. Code 1681e ( b ) and Transunion is civilly liable under 15 U.S. Code 1681n

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 2023-09-01
Company: Experian Information Solutions Inc.
State: PR
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:
I had disputed an account that was open fraudulent. It took more than 3 months. 
I call XXXX XXXX  to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any account.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-04-10
Company: Professional Collection Service Inc (GA)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the creditor, I owe on an apparent. I never lived there and never took a position and it is a result of Identifying theft. The address not even on my credit report and was also removed as fraud.

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 2019-11-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National credit system states that i owe them {$2700.00}. I do not owe this company anything I'm not responsible for this account nor did i damage anything in that home. This company has been very rude and nasty. Steady harassing and sending letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have mailed letters to The Department Of Education Default Resolutions Center as well as XXXX demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX XXXX XXXX in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be 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
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: IN
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is response to my previous complaints. XXXX, XXXX and XXXX. 

Agent for Bridgecrest Compliance has failed to account for the misappropriation of funds. Bridgecrest has not made one cash advancement. Agent has failed to answer who authorized an EFT of the monthly cash advancements that were entitled to the consumer. Bridgecrest has failed to return the collateral which is the collateral, She has failed to cancel the contract. Bridgecrest obtained the receivable under unfair and deceptive business practices. XXXX times Bridgecrest has converted instruments to their benefit. Please answer who authorized the XXXX EFT 's of the monthly payments of {$260.00}? What account were the funds deposited? Did Bridgecrest open another account in the consumer 's name? Where are the funds? Bridgecrest is a licensee of the gov and agreed with the gov to process consumer credit transactions according to the law. Bridgecrest is non compliant to that agreement which is also apart of the consumer credit transaction agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unauthorized inquiries on my report and would like it to be removed, If you can not provideproof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not Metro-2 compliant or meet E-oscar requirements, Please remove items immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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. 

Account names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account names and # 's above 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 2022-06-05
Company: CB1, Inc.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection agency reporting on my credit report CBB Collections is reporting two accounts. I have no knowledge of these accounts, they have not contacted me, by phone, mail or any other means. I called them to find out why it was there and what exactly it was approximately 30 days ago. This company was unable to verify my information fully, also was unclear what this was it took them sometime to figure it out. I attempted to resolve the accounts while on the phone call and because they could not verify some basic information I could not see spending almost {$2000.00} on something that could possibly not be mine. I requested the information they had and still havent received anything from them, I also have disputed this information and it still remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation