BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Kriya Capital, LLC
State: AL
Product: Credit reporting 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 express my deep concern regarding an item on my credit report that contains inaccurate account information. Despite my repeated attempts to dispute this item and request validation of the debt and the original agreement, it remains on my credit report without any evidence of validation from Credence, XXXX, or XXXX. 

Account Name : Credence Rm Account # XXXX I have diligently followed the proper procedures to dispute this item by submitting written requests and providing supporting documentation. Regrettably, my efforts have been met with silence, and I have not received any validation or response regarding the validation process undertaken by the credit reporting agencies involved. 

Therefore, I am formally requesting verification of how this debt has been validated and a detailed breakdown of the procedure that was taken to validate it. It is imperative that I understand how this debt was verified, as it directly affects my creditworthiness and financial standing. 

In accordance with my rights under the Fair Credit Reporting Act, if this debt can not be adequately validated within the specified timeframe, I demand that this account be immediately removed from my credit report. Continuing to report inaccurate and unverified information is a violation of my consumer rights under 15 USC 1681.

I trust that you will take this matter seriously and promptly address the inaccuracies in my credit report. I remain hopeful that we can resolve this issue amicably and without the need for further actions. 

Please provide the following information : 1. Documentation validating the existence and legitimacy of the debt, including the original agreement or contract.

2. A clear explanation of the steps taken by your agency to validate this debt, including the date and method of communication with the creditor or debt collector.

3. Any correspondence or records exchanged between your agency and the creditor or debt collector during the validation process. 

Should you fail to provide satisfactory validation of this debt within the specified timeframe, I will have no choice but to exercise my rights under 15 USC 1681 and pursue appropriate legal action to protect my consumer rights and seek redress for any damages caused by the inaccurate reporting. 

I expect a prompt response and resolution to this matter. Thank you for your immediate attention and cooperation. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dates ; XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX Amounts : Up to XXXX dollars worth of accounts that are not mine currently being reported on my credit reports Action taken : I filed a police report, and went on the FTC website and signed up for ID theft prevention measures as well as filed a FTC complaint.

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 2022-03-02
Company: OneMain Finance Corporation
State: MD
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:
Hard inquiry into my credit without my permission. " OneMain Financial ''. On XXXXXXXX XXXX ; ref XXXX. I have not heard of this company, did not make any credit applications and I do not think this is a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: American First Finance, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
American First Financial is trying to collect a debt that is not owed. This account should have been closed and not owed, because the items that were financed were never received. I called and spoke to American First Finance and they agreed and closed the account. They then tried to take a payment which was rejected from my bank because I informed them that this money or items were never received. I have filed a fraud report with the FTC- because whomever got the funds from this loan was not me and I DO NOT OWE this money. THE FTC REPORT # IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: DISCOVER BANK
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:
Discover card has a fraudulent account on my credit report i want removed, I have sent information stating I a victim of identity theft, i did not open this account and discover is ignoring my request to have this account removed from credit report, I will send a demand letter is this communication does not demanding that this account be removed or i will send a letter for demand for arbitration, this account was not open by me, I will send information explaining and show I am a victim of identity, I just sued XXXX and successfully won my case in arbitration because my information was exposed in a data breach, that also my information was compromised in that breach, this not my account I demand the removal of this account or i will seek legal action against discover card for opening a fraudulent account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I consolidated my delinquent student loans with the Dept of Education. Yet, my loans are still showing delinquent status on all three bureaus. This is hurting my ability to correct my credit profile. 

DPT ED/XXXX {$2800.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$3100.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$1800.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX  {$5000.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXXI {$2300.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$4000.00} Balance updated XX/XX/2021 5 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments US DEPT ED {$4200.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$1400.00} Closed Unknown payment history US DEPT ED {$3400.00} Closed Unknown payment history US DEPT ED {$7300.00} Closed Unknown payment history US DEPT ED {$2100.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$0.00} Closed 23 late payments

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 2023-09-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Navy Federal Credit Union. Application number : XXXX, Navy Federal Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report. This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. I extended my credit card ( or social security card ) in good faith to Navy Federal Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction. A copy of this adverse action letter can be provide that Navy Federal Credit Union sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given XXXX whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX and JPMCP Card Services. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth.

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions. 

All XXXX of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act XXXX. XXXX Acct # Card ending in XXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. JPMCP Card Services Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In this complaint there are accounts listed on my credit file that are NOT mine. Those that are mine have late payments and not once have they been late. Unauthorized hard inquiries I did not sign or give permission to pull my credit. All I require to be removed. No one including the credit reporting agencies were giving my permission or signed consent to list any of it on my credit. 

Permanently remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Take off late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened an account with Comenity BankXXXX XXXX Credit Card XXXX The company had a system conversion and I am unable to access my account online. I have been calling since XXXX to get this corrected and No One has helped me, I get hung up on, disconnected. I escalted and spoke to a supervisor in XXXX and she assured me that she would get the account converted into thier new system but it has not been fixed. I have called three times today and have been disconnected twice. I simply want my account to be accessed in the new system so that I can use online. I get a paper statement every month and I pay my bill on time. But since it is paper it is not reporting to my credit bureau. I understand that system conversion are tricky but there does not seem to be any supervisor who understands how to fix this. I need assistance with this issue and Comenity or XXXX XXXX  seem to be unable to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX  HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES IHAVE 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 2020-03-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Wells Fargo VISA credit card. At the beginning of XXXX I had a balance of approximately XXXX of debit associated with the card. Since the beginning of XXXX, I have enclosed supporting documentation to show the following transactions have taken place. Please take note that my documentation supports a due date of the XXXX each and every month. 
XXXX minimum payment due of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today XXXX, I received notification that a payment of XXXX was due by XXXX, I honestly believe that my payment of XXXX made on XXXX should have been applied to my XXXX payment due and no payment was needed until XXXX. 
On XXXX I contacted Wells Fargo customer service, my call was answered by an employee named XXXX. She would not give me an employee number or any additional information to identify herself other than her name. XXXX told me that I was receiving a notice for payment due because the payment of XXXX made on XXXX was still pending even though my statement clearly shows the payment was accepted and applied. I get angry when I am lied to, XXXX put me on hold and my call was then transferred to another team member named XXXX. XXXX tried telling me that I would have needed to wait an additional day before making the payment and having it applied to XXXX due date, why Im not sure, it doesnt make any sense to me at all. I wish to file a complaint against Wells Fargo and their banking practices. Isnt a due date a legal binding contract? 

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 2021-02-26
Company: SYNCHRONY FINANCIAL
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I was made aware that both my accounts with Synchrony Bank were closed ( Ashley Home Store/Amazon ) as of XX/XX/XXXX by an alert sent to me by XXXX on XX/XX/XXXX. I immediately callled Synchrony to confirm and was told that " yes '' my account was closed by the guarantor effected XX/XX/XXXX. I originally spoke to a gentlemen and asked to speak to a supervisor as he said I would receive written communication as to the reasons why. When the supervisor came on the line she said that my accounts were determined to be " high risk ''. Mind you I have only had these accounts open since XX/XX/XXXX. I only made a few payments which were all " on time '' and the accounts were actually going to be PAID IN FULL on XX/XX/XXXX. Regardless, she said there is no way to reopen an account once it is closed. 

I am very frustrated as I only had 3 months of payment history which was on-time. In addition, the credit was higher as we just purchased a home and was using the credit to purchase items for the house. I believe their credit model may have made such determination which is insane. I have a solid credit history with others and my accounts were in good standing. Whatever algorithm is being used is causing consumer harm. Now my credit score will go down and now I can not purchase more furniture for my home. I now need to get different credit from another creditor which will be a hard pull. I am asking that both accounts get reopened. When I tried to speak with the supervisor she must have disconnected as I was asking her for her ID so I can reference this in my complaint. I feel as though I am being discriminated against. I want to know what factors prove me to be " risky ''? Why give the credit when people will certainly hold a balance for a period of time. It does not make any sense. I am beyond frustrated as I can not risk my credit score going down for a decision that was made where I was not in the wrong. I expect a full response as to what makes my file risky. I have never in my life experienced such a bad relationship with a creditor. I am truly appauled. Considering the economic times we live it and that I am a good customer paying in good faith, they should be ashamed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-08-08
Company: Penn Credit Corporation
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, I have contacted the company Penn Credit and requested a debt validation letter about 6 weeks ago and still have yet to receive it. I never received written notice from the above company and found them through a 3rd party so this request is vital as I do not believe I owe this debt. 

They have not been able to verify the debt nor verify they have the right to collect on that alleged debt. 

This is very important to me as a hold was placed on my car registration and I legally am not able to drive it and when it is parked on the street, I am been given countless tickets. It is very difficult to have only one vehicle to drive between my wife working full time and I working full time and having a XXXX year old daughter. 

I do not know where to turn but have read online that filing a complaint may help. Any assistance that could be provided will be greatly appreciated. 

Thank you in advance for your help. 

Best, XXXX XXXX

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