BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: Kriya Capital, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I RECEIVED AN EMAIL IN  XXXX  FROM   XXXX   XXXX   XXXX   XXXX   ME TO CHANGE MY PASSWORD. I THOUGHT IT WAS STRANGE BECAUSE I WAS A   XXXX   CUSTOMER SINCE  XXXX . I CALLED   XXXX   XXXX   XXXX   TO INQUIRE ABOUT THE EMAIL AND THEY STATED THAT IT WAS FROM MY ACCOUNT. I TOLD THE  XXXX  I DID NOT HAVE AN ACCOUNT WITH HER COMPANY AND WANTED THIS INVESTIGATED. SHE STATED THAT THE ACCOUNT WAS OPENED IN  XXXX . I ASKED WHO WAS PAYING THE BILL ALL THESE YEARS AND SHE STATED SHE COULD NOT GIVE ME THAT KIND OF INFO.   I REFUSE TO PAY FOR A CELL PHONE BILL THAT DOES NOT BELONG TO ME.   XXXX   XXXX   XXXX   SOLD THE COLLECTION TO CREDENCE RESOURCE MANAGEMENT WHO IN TURN HAD THE NERVE TO PUT THIS BOGUS ACCOUNT ON TO MY CREDIT REPORTS.

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 2022-04-26
Company: Chime Financial Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I attempted to pay for an online purchase for {$240.00} and transferred funds out of my Chime account into XXXX to complete the purchase. Once the money was sent the seller disappeared and their site eventually disappeared too. XXXX has confirmed the account was fraudulent but they can not recoup my funds due to their limitations on the system they use. In the meantime on XX/XX/XXXX I reached out to Chime because the money was transferred out of my account with them. I opened a case but they also have not been helpful. They are saying they will have an update for me in XXXX which is months from now. The person scammed me and no one is trying to recoup my funds or assist me in resolving this manner within a reasonable time frame. I would like Chime, who is a bank compared to XXXX, to help me get my money back. Chargebacks or whatever else needs to be done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have been submitting countless and multiple dispute letters as well as CFPB Complaints demanding to the Credit reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Despite the actions I have taken, the Credit Bureaus failed to comply with my requests in accordance with the Federal law. The disputed accounts and information that I have been disputing were still being reported on my Credit file. Once again, I need the following items removed 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. These accounts as well as the information being reported resulted due to fraud and shoould be removed from my Credit file. I do not understand the point of the Credit Bureaus in continuing the reporting of these accounts despite the documents I have been sending to them requesting the deletion of these accounts completely from my Credit File.

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 2017-05-11
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
Equifax is reporting inaccurate information about a bankruptcy that was filed 7 years ago.   the Bankruptcy is from  XXXX  Georgia Bankruptcy court. This action occurred in or around  XXXX  -  XXXX    XXXX  . This bankruptcy is past the legal reporting period of 7 years, per the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is regarding alleged reference number XXXX Since XX/XX/XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and California 's Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the nonsense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without a bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a credit debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, California 's FDCPA and FCRA. PRA has reported a negative tradeline to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA has failed to provide documents based upon the FDCPA of California. PRA has reported that this account was opened on XX/XX/XXXX, this is a fraudulent claim. PRA is Reading this alleged claim in clear violation of the law. PRA has received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member Portfolio Recovery Associates , LLC. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Requested XXXX repayment plan. Submitted application was approved. now got notice it was denied. Said I filled out an application for a XXXX loan. I did not. I do not have.that loan type First my XXXX loan forgiveness was denied now this. 
I get conflicting information I was told I qualify for the XXXX loan forgiveness then not I was told the XXXX repayment was approved. Now not. 
Do not believe nor trust that they k is what theyre doing. Besides confusing explanations even for me with a XXXX XXXX. None of it makes sense nor can be understood I get information when I speak to service agents. Numerous times Then I get denied Perhaps the idea they have in mind

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: IQOR US INC
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 am currently going through divorce, I have a certain of amount of time to regain legs after this ordeal, on XX/XX/2023 I looked at my credit profile and noticed some collections accounts I knew nothing of. I disputed the collections, which to XXXX did not respond. Allied Interstate responded as the image I will load titled Exhibit A, they claim they have contracted with XXXX to collect on this account. I am aware of the FDCPA and laws collection agencies must adhere to, there are multiple violations as shown in attached file Exhibit A. No proof of claim was sent to me by XXXX instead they contracted/sold my personal information to Allied Interstate while they still report XXXX on my credit profile, at this point I feel deceived and mislead do I owe XXXX XXXXXXXX, XXXX, or Allied Interstate. Allied Interstate and XXXX have violated my rights under the FDCPA with no Proof of Claim which they have not provide by law they must deleted from my credit profile.

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 2023-10-18
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Dear Ameri Home Mortgage, L.L.C. 
I trust this message finds you well. I appreciate your swift response and the breakdown of the mortgage payment details. Upon meticulous review, I wish to highlight certain inconsistencies : Principal Amount : The listed principal amount for XX/XX/XXXX to XX/XX/XXXX is {$1000.00}, which doesn't align with the mentioned {$1300.00}. 


XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} Total : {$1000.00} ( not matching {$1300.00} ) 2.Total Principal Calculation : XX/XX/XXXX, to XX/XX/XXXX : {$3100.00} ( not matching {$3100.00} ) Escrow Amount : Total Escrow Paid : XX/XX/XXXX, to XX/XX/XXXX : {$440.00} ( for each month ) Total Escrow Paid = {$5200.00} ( not matching {$6100.00} ) Interest Calculation : Total Interest : XX/XX/XXXX, to XX/XX/XXXX : XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} Total Interest = {$14000.00} ( not matching {$15000.00} ) Total Payment Calculation : Total Payments Received : {$24000.00} Sum of Principal, Interest, and Escrow = {$22000.00} ( not matching {$24000.00} ) While the total payments received are {$24000.00}, the sum of principal, interest, and escrow is {$22000.00}, not matching the total payment. 
Differences : Differences in calculations : {$1800.00} ( XXXX ) + ( XXXX ) + ( XXXX ) Additional Escrow Payment : 3.A supplementary {$1500.00} was made towards the escrow account, which doesn't seem to be included in the payment breakdown.

I would appreciate your assistance in clarifying these discrepancies to ensure accurate records and a clear understanding of the payment structure.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NC
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:
Never opened an account with XXXX XXXX they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a capital on credit card. This is a mistake that needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX / XXXX /  XXXX   LEGAL ORDER FEE DEBIT CASE #  XXXX  {$120.00} from  Wells Fargo.  Apparently, no funds were remitted to garnishee because there were no funds available after {$120.00} was deducted from my account. In fact, my account was overdrafted {$71.00}.

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 monetary relief
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When reconciling my account for XXXX I found a charge for a check I have no record of. 

After 2 weeks ( how long they required ) I have not heard back.

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 2023-10-20
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/2023, I sent thru first class mail a Notice to XXXX XXXX, CFO of Block Inc, informing the CFO that by law all debt attached to my Cash App account is to be discharged and I am entitled to an unlimited balance in my Cash App account. A copy of the Notice is attached to this complaint. The CFO had an opportunity to respond to the Notice. The CFO willfully failed and refused to reply to the Notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Possible Financial Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : Possible Financial Inc, Acct XXXX XXXX XXXXXXXX Your company is in violation of the FCRA and XXXX XXXX and reporting violation. 



15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 2023-09-18
Company: Maximus Education, LLC dba Aidvantage
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/23, I was approved through Aidvantage for an income-contingent replacement plan where I would pay {$68.00} a month. I just got an email on XX/XX/23 that they changed that to a SAVE program where I would pay XXXX  XXXX monthly. I don't know how this happened. Maybe I applied accidentally, but now I can't get anyone on the phone and the chat app is shut down because it says they are too busy. I can't pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2018-10-26
Company: WELLS FARGO & COMPANY
State: NE
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: Problem with personal statement of dispute

Complaint:
I have had a credit card with Wells Fargo since approx XXXX. Sometime in XXXX I was attempting to add an authorized user to the card. I went to remove this secondary individual and was advised by Wells Fargo that I could not do so without closing the card. I never added the person as a secondary card holder - only as an authorized user. I have been contacting Wells Fargo about this issue since XX/XX/XXXX. I was assigned a case manager XXXX and she was suppose to follow up. I haven't heard from her in over a month. I have asked over 15 times to be provided copies of documents that prove that I added the person as a secondary card holder - not just as an authorized user and I have been told on many occasions that the documents will be sent to me. They have never sent me any records. I just recently THIS week received a letter from Wells Fargo advising that they identified that the secondary card holder was not enrolled in the rewards program and they were going to add the person. The other person never made a single transaction on the account. The card/account were solely used by myself. I am taking full responsibility for the balance and Wells Fargo refuses to remove the other person despite not showing me any proof that they should continue to exist on the account in the first place. I contacted Wells Fargo through XXXX on XX/XX/XXXX. They called me today and the person that called said they would need to get the credit card executive team on the line and to please hold for 1-2 mins. I stayed on hold for over 20 mins before hanging up in frustration. This is not the first issue I have had with Wells Fargo yet I continue to try to give them the benefit. I am done trying. I have no reason to believe that they didn't add the person as a secondary fraudulently to boost their sales numbers as I know they have received previous allegations of.

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 2023-09-18
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Kirschenbaum & Phillips PC. XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Tel. # ( XXXX ) XXXX liened my bank account in the amount of {$6300.00} plus {$120.00}. Fees for a debt they claimed dated back to XXXX. I have no record or recollection of this debt from XXXX years ago. They appear to have quite a bit of information on me, but I know nothing about a XXXX XXXX overdraft account. My Credit history reports are clean. This XXXX debt claim is unacceptable and I need my bank account released immediately. Respectfully XXXX XXXX

Company response to consumer: Closed with explanation