BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX They are collecting a debt of {$880.00} for a XXXX XXXX account I never opened. Account number : XXXX. 
I have an ex girlfriend from XXXX  that has my social security number and she has been using my SSN to open accounts under my name. 
Her name is XXXX XXXX and had alias XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX She has other aliases too! 
She has been using the phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and others to contact me to give her money. Emails she uses to contact me XXXX, XXXX, XXXX, XXXX Addresses she uses to setup services using my SSN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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 have been trying to dispute a XXXX debt XXXX insurance placed on my credit report for months. I Contacted the insurance company to try and obtain information and some kind of documentation showing me how this account was opened. I have had the same insurance agent with XXXX XXXX  since XXXX. I have never owned a XXXX The other name listed isn't me. I have submitted proof of my insurance throughout that time but they tell me the info is valid because they have my social and birthdate. They admit policy was set up completely online with no face to face meeting or signatures completed. They referred me to the creditor who basically says the same thing. Denies having any ability to provide reasonable proof of my ownership to this account and also has recieved my proof of other insurance as well as a police report made within the time frame of unauthorized opening of debit card accounts in my name. They refer me back to XXXX  and telling me I should just pay the money for this account that I'm begging them to understand is not mine and was opened fraudulently. Throughout the whole ordeal I'm filing multiple disputes that are being declined. Then they agreed removed the report my credit score increased however days later they again put the report on my account now using the current date of XX/XX/XXXX meaning I have to wait 2 more years for it to be removed from my credit file. Now it looks like the debt was from today and they have blocked me from being able to do any further disputes. Unfair.

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 2022-02-09
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
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:
The creditor reports that I have a repossession with them and refuses to remove it from my credit report. 
I never had anything repossessed thru them. 
I only had a credit card 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 2023-05-11
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2023-05-08
Company: EQUIFAX, INC.
State: MT
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 have contacted both XXXX XXXX XXXX  and Equifax to remove errors in my credit report many times and they will not remove this account from my credit report. XXXX XXXX XXXX  has verified this as being correct. 

This account is Account Number as it appears on my Equifax Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXX XXXX XXXXXX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with XXXX XXXX XXXX  ( Error XXXX ). This was 24 days after the XXXX XXXX was filed. XXXX  claims this was charged off ( Error 4 ). Months Revd XXXX This was not a 6 years loan ( Error XXXX ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error XXXX ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error XXXX ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. XXXX Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by XXXX XXXX XXXX. By law FCRA section 609 and 611 requires XXXX XXXX XXXX  and Equifax to report information accurately or remove the account from my credit report. 16 Errors are visible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: DISCOVER BANK
State: NC
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:
I applied for a secured credit card with Discover Financial Services on XX/XX/XXXX and was approved. On XX/XX/XXXX the account was opened. On XX/XX/XXXX I was sent an email requesting my signature for IRS Consent form XXXX Then on XX/XX/XXXX I received an email saying my account was closed because they were unable to verify personal information. So now as I am rebuilding my credit I am set back even further with a closed account on my report. The 4506-C clearly should have been sent before the account was opened. Additionally, when entering my income in the credit application there is no mention that they may ask for tax information from the irs. I think they should be more clear to the consumer that it is very probable that they will request a 4506-C after the account is already opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-08
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
18 months ago I've asked PHH mortgage to remove my PMI because the house value has increased. I paid a $ XXXX appraisal fee back in XXXX XXXX XXXX and that house never got appraised. I've tried many times to get the issue resolved and I'm constantly getting the run around. Their monthly update to me is that there's no changes from the PMI department. If they got my property appraise back in 2021 I wouldn't have to pay my PMI for the last 18 months. At the moment, I have no confidence in their escalation team. I need this issue resolved and my appraisal fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, 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 non-monetary relief
Consumer complaint received 2022-05-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I had my Venmo account for over a year now and have had no complaints this far. I felt as if I could trust a deposit of my tax refund to my Venmo account as well. As everyone knows taxes this year has been a waiting game and just on XX/XX/XXXX I received my taxes. I owe back rent from while I was struggling at the end of last year and my landlord was patient enough to wait until I received my taxes for payment. I couldnt figure out how to take a large sum of money out without paying atm fees and my landlord is not tech savvy so he would not be downloading Venmo himself. I opened up a bank account in my name locally and after I was notified it was active I decided to make a transfer of funds into my bank account. On XX/XX/XXXX I initiated a transfer of {$2900.00}. I did a standard transfer because I assume it was safest. I still had a balance of just under {$3000.00} in my Venmo account. I waited a few days and on XX/XX/XXXX I realized something was wrong when I couldnt make a purchase with my Venmo card, I looked into it. The app stated my account was frozen. I checked my email and seen in order to reactivate my account I needed to upload a picture of my DL or ID card. I did so promptly. I even called and spoke with an agent and they assured me they received my ID and it would take a few days for a different team to go over my account and unfreeze it. On XX/XX/XXXX I received a different email stating an account specialist went over my case and stated After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

I have been in a loop similar to this with XXXX XXXX card and waited so long to get {$200.00} from them after complaining to the FDIC and XXXX XXXX XXXX. I just received my tax return and for this to happen so quickly after waiting for money on that alone is very frustrating. If I could please get anyone to help me re-activate my Venmo account I would be very grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Capio Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AssetCare is trying to collect a bill for an emergency room visit that resulted in admittance to the hospital for 48 hours. At the time, because I was under distress, I did not have my wallet when I went to the ER and therefore did not have my insurance card available at the time of check in. While I was in the hospital however, someone brought my wallet and I gave the hospital the insurance information BEFORE being discharged. I never received any bills and assumed this emergency room bill was taken care of by insurance. Now I have collections on my report from Assetcare stating I owe and they have no record of insurance. The bill for the hospital stay itself however was sent and paid for by insurance.. Insurance was never billed for this claim and therefore they should not be able to collect this debt. They have ruined my clean credit by reporting to the 3 bureaus with these inaccurate illegal attempts to collect a debt that insurance would have covered had they have been billed originally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states that the foregoing is true snd correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. all is being investigated by the FTC

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 2023-05-13
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT FILE THAT ARE NOT MINE

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