BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was evicted from an apartment in XX/XX/XXXX due to new onset medical conditions. The debt which at this time is XXXX XXXX XXXX was disputed with all 3 major credit reporting agency 's. XXXX XXXX, XXXX and Experian. i disputed this debt with all 3 agency 's last year and it has been removed from 2 of the 3 agency 's. However, experian shows that there are XXXX accounts with a total debt of {$4200.00} updated on XX/XX/XXXX XXXX i have contacted experian and they continue to lie that there is no debt on my account but the balance persists. Experian has gone as far as prohibiting me from disputing the issue online and no help on the phone. i am looking for help as it is hindering my abillity to purchase a vehicle and building positive credit. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 2023-10-17
Company: MOHELA
State: FL
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:
In preparation for repayment I paid a full month and some more in advanced because I wanted to prevent any interest from accruing. Since the repayment was supposed to be auto-debited and made on XXXX and I saw no payment I called and nobody answers but it says I am in delinquency. I need HELP, this is already too much, it is overwhelming and it feels like the handler is purposely sabotaging and trying to put us in default. 
XXXX and dept of education have said multiple times that this is not their jurisdiction and that Mohela is supposed to self-supervise and I can not complain to anybody else. 

The loan servicer JUST picked up the phone and say that even though I paid XXXX since XXXX this year ahead of the repayment date, they did not count it as a paid ahead and they failed to auto-debit my account ( that they had already confirmed they would auto-debit ) and threatened to put me in default. 
The agent said that the reason it may not have been charged is because since I paid ahead they decided not to charge me so they would not charge me extra but at the same time it does not count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Kriya Capital, LLC
State: CA
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 is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: MOHELA
State: GA
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:
When I consolidated with Mohela, I had over XXXX payments with fedloan on several of my loans. I was told if I consolidate that would allow my overall account to take the highest number of payment received. I have had several months after that which would put me over XXXX payments which is the requirement for the loan forgiveness program. Currently on my file, there are gaps in my payment history whereas on the XXXX it was pretty much up to date. I have worked for a federal agency since XXXX as federal employee but since XXXX as a XXXX for XXXX but it shows a different company for a period of time XXXX to XXXX. Then it shows XXXX to XXXX as a XXXX for XXXX XXXX and XXXX XXXX employee with various employment gaps. I have called several times and spoken to several persons at Mohela for assistance on being forgiven and/or up to date. I asked if I needed to send in another to make sure I am forgiven before XX/XX/XXXX although I should have only had two payments remain by XX/XX/XXXX if it was not counting the waiver. So my understanding is that they paid me over extra funds bc I paid during Covid and I asked them to keep it if I was missing any payments but they still paid me. I am just trying to ensure my account is accurate and up to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
Sixteen fraudulent transactions were starting on XX/XX/2023 for a total of XXXX. These were all online ( Card not present ) with XXXX XXXX with no PIN #. Truist returned XXXX but refused to refund the rest because the 1st fraud was over 60 days. 

The complaint case # is XXXX Bank : Truist We followed the steps as requested and are consistent with the Zero Liability Policy. At first glance, this policy appears to provide adequate protection for the consumer. Still, in reality, it is toothless, and Truist will make the minimum effort to give a satisfactory resolution. 



ZERO LIABILITY POLICY FOR CONSUMER DEBIT CARD PURCHASES. You may have no liability for unauthorized debit card purchases, subject to the following terms and conditions : A ) Our zero liability policies apply only to unauthorized purchases and certain ATM transactions using your debit card. Any claims of unauthorized debit card purchases that do not meet the conditions of this section and any claims of unauthorized transactions involving other types of electronic fund transfers are governed by the error resolution requirements as described in Section 10 of the Electronic Fund Transfer Agreement and any separate agreement provided in connection with the issuance of the access device. If your claim does not meet the terms and conditions contained in this section, the bank will automatically re-examine your claim in accordance with the error resolution requirements as described in Section 11 of the Electronic Fund Transfer Agreement.

B ) Our zero liability policy may not apply if : ( i ) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; ( ii ) you fail to provide us with a statement or affidavit of your claim within the time requested ; ( iii ) we determine the transaction was not unauthorized as defined below; or ( iv ) you fail to report the loss, theft, or unauthorized use of your debit card or card number within a reasonable period of time. A reasonable period of time will be determined by bank in its sole discretion, but in no event will it be shorter than the time periods specified in the error resolution requirements. 

C ) Unauthorized Defined A transaction is considered unauthorized if it is initiated by someone other than you ( the cardholder ) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered unauthorized if : ( i ) you furnish the card, card number, or other identifying information to another person and give that individual express or implied authority to perform one or more transactions and the person then exceeds that authority, or ( ii ) for any other reason bank concludes the facts and circumstances do not reasonably support a claim of unauthorized use.

Company response to consumer: In progress
Consumer complaint received 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX XXXX  membership while I was staying at XXXX XXXX, XXXX  with my son. I canceled my membership when I moved back to XXXX  ( Costco is nearby ). 

XXXX sent me a credit card with Capital One that I never activated since I was moving and no longer had a membership. 

In XX/XX/XXXX  I received an email from Capital One that I had an outstanding bill. I drove to XXXX and then informed me that I had to contact Capital One. On XX/XX/XXXX, I finally got to the bottom of this, XXXX  inadvertently billed me for a membership on that card. They finally refunded the membership in XXXX reference number XXXX. 

Capital One said they received the {$55.00} but I owe fees of {$110.00}. I told them this was not my fault. They dont seem to care. 

Can you help me? 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: VW Credit
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
1. Identity theft by sharing private information with third parties.

2. Misappropriation of collateral by creating and selling the contract without administering valuable consideration to the endorsement of contract.

3. Company has not paid transfer tax.

4. Due to lack of valuable consideration, dividend was never distributed to the beneficial owner of original contract signor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 I payed CapitalOne Quicksilver credit card in the amount of {$2500.00} with the understanding that the account would be closed and all information would be corrected on my credit report. 9 MONTHS later its still saying active and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Wells Fargo not paying the correct amount of rewards for my CC.

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 2023-10-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -Toyota MTR acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX -- XXXXXXXX XXXX  acct # XXXX, opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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 writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: TX
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 consume 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 ) ( a ) 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. 


Delete the accounts below XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NJ
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 do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-12
Company: Zions Debt Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has continued to violate my consumer rights but reporting inaccurate information to the credit bureaus. I have asked the to show me real proof of a written agreement that I signed or made any agreement too. This company has tried to harass me thru email stating I owe a debt that is not mine. This company still has not show me actul real proof i owe a debt which they bought from XXXX security company which had gotten sued for violating consumers rights.XXXX has closed and opend this account more than 4 times to try and make it seem like tgis debt is new which is another violation.I have proof down below in the description to show.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: A.R.M. Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The debt collector identified as " A.R.M. Solutions Inc., located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX , violated multiple provisions of the Fair Debt Collection Practices Act, ( FDCPA ), 15 U.SC. Sections 1692 - 1692p. These violations are set forth below.

First, the debt collector failed to disclose in two ( initial ) XX/XX/2023 text messages that " ... the debt collector is collecting a debt and that any information obtained will be used for that purpose ... : See the attached screen shot of both text messages I received on XX/XX/2023. See Section 1692e ( 11 ) of the FDCPA.

Second, the debt collector failed to disclose it true name and/or full name in both text messages identified above. See Section 1692e ( 14 ) of the FDCPA. For example, the debt collector identified itself as " A.R.M. Debt Collector '' in the first text message, while the second text meesage identified the firm 's as " ARMS-Debt Collector. '' See the above-two text messages attached. Also, the debt collector was sanctioned by the California Department of Financial Protection and Innovation for this practice, which violated two California statutes ( e.g. Rosenthal Fair Debt Collection Practices Act and the Debt Collection Licensing Act, which incorporated all provisions of the FDCPA ). I filed a complaint against this debt collector to this state agency, which resulted in the debt collector being fined and subject to a Consent Order ( containing a Cease and Refrain Order within the Order ). See this state agency 's attached XX/XX/2023 Consent Order for this penalty regarding this unlawful XX/XX/2023 practice, which is signed by the agency 's deputy commissioner and the president/ceo of the debt collector. 

Third, the debt collector violated Section 1692g of FDCPA when it failed to provide me with the XX/XX/2023 letter ( describing my rights ) within five days after receiving the XX/XX/2023 text message. I received this XX/XX/2023 letter on XX/XX/2023, eight days after receiving the XX/XX/2023 text messages. See the debt collector 's XX/XX/2023 response letter regarding their inadequate reasons for violating the above Section of the FDCPA. Also, see the above state agency 's Consent Order, including the agency 's Proof of Service document, regarding the firm admitting that they mailed me the XX/XX/2023 letter on XX/XX/2023. 

Finally, the debt collector violated Sections 1692a ( 3 ), ( 4 ), ( 5 ), and ( b ) ; and 1692e ( 10 ) of the FDCPA, when the firm falsely stated in its XX/XX/2023 letter that I had more than thirty days ( e.g. respond by XX/XX/2023 ) to respond to this letter. See the XX/XX/2023 letter attached for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove this inquiry ( XXXX  XX/XX/2023 ) as seen in the attached. 
Also this unauthorized inquiry which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and TRANSUNION is in violation of 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) and is liable. Find my invoice attached.

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