BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: Kriya Capital, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a letter to Credence Resource Management requesting validation, not verification of a debt they claimed I owe. In this letter I requested that they send me a list of items to validate this debt in reference to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 { b }. I received quite a bit of letters from Credence Resource Management stating that they validated the debt as accurate ; however, they failed to provide me with the proper documentation to support this accuracy, but instead they continued to send me an itemized statement of a bill. This however does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In response to these letters I sent another letter to Credence Resource Management certified on XX/XX/XXXX requesting that they remove this inaccuracy of this debt from my credit report due to the FCRA act stating that they are not allowed to report inaccurate information on my credit report. I have warned them of taking legal actions against them if they can not comply to these regulations. As of XX/XX/XXXX, I have not seen any deletion of this debt and they continue to report the credit bureaus of this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Prosper Marketplace, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Prosper Credit card sends me statements showing balance of around {$1700.00}. I never had this credit card neither did I ever applied for it. Card ending number on statement ( XXXX ). 
I tried calling prosper credit card but seems like they not ready to resolve my issue. 

In the statement there are so many out of country transactions, I haven't traveled out of country since XXXX of 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 2021-12-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2019-10-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear whom it may concern, I opened XXXX XXXX American Express Card on XX/XX/2018 through a link which offers 100,000 XXXX XXXX Bonus points after spending {$1000.00} within the first 3 months. 
After spending required amount, I realized that I didn't receive the points, so I contacted to American Express to figure out. 
I had a conversation with a representative through a chat on their website, and I was told that the promotion was not on my account. ( It was around XX/XX/2018 ) They told me that the promotion is not on my account but they will open an investigation since I could be eligible to receive that bonus, because I applied through a link which clearly says the promotion and I never had the XXXX XXXX Card before. 
It has been more than a year after submitting that request, but I didn't receive the bonus and I didn't hear back from them. 
Thus, I want to submit a complaint via CFPB. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: CA
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 BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX, transunion, and XXXX  have neither reviewed nor investigated the information in the past disputes. I have disputed the bankruptcy on my file several times with supporting documents from XXXX and The US Bankruptcy court. I have sent each agency certified copies of these documents- ( XXXX ) I have also attached the supporting documents to this complaint. The misinformation on my credit file is hindering my financial growth and causing me 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-28
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of today I have talked to Credence Resource Management about and old XXXX XXXX XXXX XXXX XXXX XXXX that I paid to different collections agency as a settlement in full in either XXXX or XXXX. They have managed to place this debt on all three of my credit reports and update said reports every 2 weeks bringing my credit score down at least XXXX points each time for so-called nonpayment. They say I owe XXXX XXXX XXXX {$1100.00}. I have returned all the equipment back to them so that bill should be much lower than that. 

Anyway, they need to do their research and find out when exactly that bill was paid since the last collection agency bought the debt FROM XXXX XXXX XXXX they did not have to tell them when it was paid because it was no longer an XXXX XXXX XXXX it then belonged to THAT collections agency. Since the pandemic XXXX XXXX XXXX XXXX not have updated their systems or maybe there is a glitch in their system as to how many OLD XXXX XXXX XXXX customers who are NO LONGER customers of XXXX XXXX XXXX  owe or do NOT them money ... I am NOT one of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Prosper Marketplace, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Out of curiosity from an ad I saw, I clicked on Prosper 's " Check Your Rate '' link of its website. It CLEARLY states " Checking your rate will not affect your credit score ''. After doing so, I never took any further action. NONE!!!!! I NEVER submitted a loan application!!!!! 

Daily since then I get emails from Prosper with incentives to apply for a loan such as a credit on my first payment. I have IGNORED each and every email. AGAIN, I have NEVER taken ANY action on this. I have NEVER applied for a loan.

Today after weeks of these emails, I suppose Prosper got tired of me not responding and sent me a credit declined memo. How can I be declined credit for which I NEVER APPLIED?!?!?

THIS IS FRAUD!!!!!!!! I now have a ding on my credit because of Prosper 's FRAUDULENT processing of a loan application. I NEVER APPLIED!!!!!! I ONLY CHECKED MY RATE BASED ON PROSPER 'S PROMISE that " Checking your rate will not affect your credit score ''!!!!!

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 2023-06-16
Company: Advance America, Cash Advance Centers, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am on a biweekly contract for {$85.00}. They have started taking $ XXXX for {$1800.00} and did not go off of the payment contract ending XX/XX/23. This is very illegal and they refuse to help me. They are blaming me saying its in default when they never contacted me. There was no schedule change and my original payment schedule still stands on their website!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: MI
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-14
Company: Informative Research
State: AL
Product: Credit reporting, credit repair services, 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:
XXXX XXXX checked my credit with XXXX credit without my permission. I never ask them to check my credit. They used my information for someone else. I never tried to get credit from this company, my credit was checked on XX/XX/2021. They did not have my permission to check my credit. I never gave them my permission. If they would have checked they would have seen that there was a block/freeze on my credit report. They would have had to call me to get my consent to check my credit. There is a statement on my credit report that states to call me before they check my credit. I never got any phone call nor did they contact me by e-mail or mail. 
This is identity theft. I never ask them for any credit. They disobeyed the law by checking my credit without my consent. This is not the law when there is a statement on my credit report to call me before they check my credit. 
No phone call ever came. Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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 XXXX XXXX AND 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2017-09-14
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage continues to commit lender fraud. I have called them out on it. I have shown them proof of it. They continue to deny and hide it. I have requested guidelines for modifications. I have been continually denied a copy of this. I have requested a copy of a phone call to the company on XX/XX/XXXX. I have also been denied this. I have been lied to and I have been given multiple reasons as to why they will not help us with our mortgage. I have corrected and proven them wrong on all of these reasons. I have looked up the HAMP rules and know that when we started the process for a loan modification, we were 100 % eligible under HAMP guidelines for a HAMP tier II modification. Wells Fargo purposely took their time on reviewing us, and continually lied to us about eligibility knowing that the program was ending on XX/XX/XXXX. My husband had a XXXX on XX/XX/XXXX. I have been trying since XX/XX/XXXX to get the HAMP tier II ( months before the program ended ). Then in XXXX of XX/XX/XXXXthe new reason given for denial was that the program ended. We are beyond frustrated. Then just yesterday XX/XX/XXXX upon researching laws in my state. ( Utah ). I was supposed to be served with a supbeana of my foreclosure along with a timeline to respond with the court. I never ever received such a document. The way I found out that my home was up for sale at auction was on a website. This is absolutely unfair. Wells Fargo has already been fined for acts like this, yet they continue to practice them, and obviously continue to get away with it. Please stop them.

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 2021-12-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
While my fianc was helping me get a plan in place to pay off debt, we noticed that my account balance hasn't lowered in over a year. 

This was due to a recurring fee on my Citibank credit card called " Payment Safeguard '' which was charging me about {$94.00} a month going back two years ( which is as far back as my online statements go ). 

After doing a bit of research we saw that Citibank had to refund {$700.00} XXXX to credit card customers for this exact unfair and deceptive practice! 

We called to cancel ( which we did ) but were told we would not be refunded because she said I signed up for the safeguard in 2012, which is simply not true, in fact, that's exactly when they were sneaking these fees onto consumers cards.

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 2023-08-31
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a vehicle with XXXX. WESTLAKE financial denied my request even though the transaction is based of off my unlimited credit. 15 USC 1611. UCC 1-308

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 2021-09-17
Company: Genesis FS Card Services, Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I have ask the investigation be properly conducted several times. Genssis owns the XXXX XXXX. The first letter XXXX upload was the letter I received from Genesis stating my account was closed with no balance. The top letter and the XXXX XXXX is the same information, The have falsely reported I filed bankruptcy. The company also false reported a derogatory mark XX/XX/2021. I do not have this card I have not had the card since XXXX when they closed my account have I paid it off. The card number was XXXX. XXXX never contacted Genesis during the investigation. Just closed my request for investigation. Sending me to a to a site experian.com/upload that does not accept the documents with case number. I was told to mail to their address. I received an alert today where they close the case less than 30 days. 

Attached documents 1. I have attached the letter from Genesis 2. My list of creditors I include on my bankruptcy excluding Genesis XXXX XXXX caredit card 3. Discharged documents

Company response to consumer: Closed with explanation