BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: Kriya Capital, LLC
State: CA
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/2019, i received a notification from XXXX and XXXX that a debt collection had been reported to my account. This debt showed for the amount of {$970.00}. The debt collector appeared as Credence Resource Management. After telling them i had no idea of what debt they spoke of, they mentioned that it was an attempt to collect a debt and that they had already reported me to credit bureaus. 

I told them i had not received any debt information and that it was against the law to report a debt without serving a 30 day notice. They did not care and still went ahead to continue asking me for money. 

On XX/XX/XXXX, i received a letter dated to XX/XX/2019 in which they still did not give me the opportunity to dispute the account. Now this letter states a date in which an account was opened ( XX/XX/2019 ) Soon after reading the letter, i called XXXX   and spoke to a rep named XXXX XXXX ID number is XXXX who reaffirmed that there was no account under my name, social or even the account number i was providing. 

This is leading me to believe that Credence Resource Management is fraudalently opening accounts and also not abiding by the law before they report consumers. The XXXX  rep adviced that i report Credence Resource Management to their fraud department for which i did. 

In no way, does Credence Resource Management ever explain the debt or break down this debt. Naither portion of their mentioned debt ever coincides. One rep tells me the account is from XX/XX/XXXX, the XXXX final bill states XX/XX/2019. Credence respurce management and XX/XX/XXXX seem to be working together to open a fraudalent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft! I filed a report with identity theft.gov. I have unauthorized inquiries on my credit profile across Equifax and XXXX. This is a violation against the Fair Debt Collection Practices Act and violation against my rights as a consumer! 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Navy Federal Credit Union Foundation doing business as Navy Federal Credit Union ( NFCU ) is committing fraud and white collar crimes ( extortion ) against consumers on a daily basis for a number of reasons. Regulatory provisions are being violated in criminal ways that constitute extortion and theft of identity and property. NFCU is not required to mortgage or otherwise lien property in order for Consumers to purchase or build a dwelling pursuant to 12 CFR 701.31 and 12 CFR 701.20. NFCU is also not required to use cash assets or real property to secure the purchase of a dwelling pursuant to 12 CFR 1002.2. They have been sufficiently notified and they refuse to make any accommodations as required by the Fair Housing Association as an Equal Housing Lender. NFCU has informed me on several occasions that they are not required to adhere to these regulations and that they do not provide the required service in compliance with their applicable regulations and laws. Doing business with them is also dangerous because they are a 501 ( c ) ( 3 ) organization which means they are TAKING property from people by outright fraud and extortion. If you look at the " about us '' page on their website and their Articles of Incorporation registered with the Secretary of State in VA, you will see that they are TAKING property as the language reads, and that the Foundation has no members. They are required by law to process an extension of credit without a lien, which is a money transfer for the purpose of purchasing a dwelling. NFCU is only to receive interest in the amount of a finance charge and nothing more. They are tricking people into paying them, for loans that are not at all funded by NFCU. Please see attached documents for details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called since the begin of last year.    XXXX / XXXX /  XXXX   was first call to them.   I have called at least once a month to this comapny.   I have sent certified mail to this company was sent back.   I have email at least  XXXX  different email address.   I have a attorney contacted them still nothing.   This debit is not mine. I have ask numerous time to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: IN
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit WEBBBNK/FINGERHUT XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently submitted a complaint number XXXX and medical data system did not validate the debt it clearly stated in the complaint '' I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification '' and they sent a bill which is not debt validation and they did not provide a contract i have with their company. ( letter they provided from the above complaint ). The letter do not have medical data system listed any where which mean i am not in contract with them. It is laws in place to protect the consumer against fraudulent companies like medical data systems and I filed a ucc11 and I have no liens placed against my name from them. They is unlawful trying to collect from me. They also stated they sent letter and I had 30 days to respond if that is so then provide the tracking number for the letter sent to me. I do not owe this company and I hope the CFPB and they FTC fine them for not providing validation.They stated they do not own the account and they do not own the debt well they are committing fraud because they should not hold my name. ssn. address in thier database and they are a lie because it clearly says they attempted to collect a debt and you can not say that if the debt don't belong to you. What did medical data loan me of value? nothing, and they need to delete this inaccurate information off my credit report

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 2023-10-04
Company: EQUIFAX, INC.
State: TN
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:
I'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have received a wire transfer which was accepted and posted by Capital one to my account. The purpose of the transfer was a business loan for the amount of approximately {$25000.00} and it was under my business partner who started a small business and sponsered me to run this business and all the financial and basically I am in charge of managing the entire business and I even have an power attorney from him and the money was authorized by him to be deposited to my account and I was going to use the funds to make some purchases. Please also keep in mind the business is a sole proprietor business and using a personal account is permitted by law since is not an llc or corporation and is under my sponsor name. Capital one blocked the funds and even I have called and explained the situation multiple times, they still refused to release my funds. I understand Capital one has a right to end the relationship at anytime as is stated on the agreement and that is not my concern at all, but they dont have a right to hold the funds that legally authorized by my sponsor to be deposited to my account and I have full authority over the funds for absolutely no reason. After many contacts, still they have refused to release my money and even i was told the transfer is going to be reversed to the originator which is absolutely unacceptable. I have provided a clear explanation and clarified about the funds and ready to provide any documents of is needed, but if capital one does not have any documents or any reasonable explanation why they still have not released the funds even after I have clarified, they have to immediately release the funds to me. I am requesting capital one to immediately release the funds to me and give the money that belongs to me and I have full authority over the funds and would like to clarify again, they can not hold my funds or return them or anything to do with the funds, unless they have evidence supporting that the funds does not belong to me. I have a notarized power of attorney from the person who his name is for the transfer and he authorized the funds to be deposited to my account. Additionally, if there were any concern in regards to the name mismatch or anything else, capital one could reach out if there were any concern and if they weren't satisfy with my clarification they could have reject the deposit before being deposited into the account and I will deposit then into another account, but instead they have accepted and deposited the funds and after a few days all of a sudden they decided to investigate and place a hold on a money that does not belong to then and even still after I reached out and clarified and provided them with a power of attorney letter which proves the funds belong to me, still they did not release my funds for absolutely no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Opportunity Financial, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX. I am the living person, I am XXXX. I am submitting this complaint. No XXXX party involved. No Authorization needed. THERE ARE A FEW ACCOUNTS OPEN WITHOUT MY KNOWLEDGE. MY PURSE was stolen or misplaced WHICH HAD ALL MY INFORMATION IN IT i was not able to locate it during the months i was sick fighting for my life During the time I was fighting XXXX I was I REPLACED ITEMS THAT WAS LOST IN MY WALLET I DID REPLACE MY ID AND SSN CARD. I ALWAYS USE MY XXXX XXXX FOR MAIL SINCE ITS MORE SECURE THEN THE APARTMENT MAILBOX NOW IM SEEING DIFFERENT ADDRESS THAT IM HAVE NO IDEA ABOUT ON MY CREDIT AND NOW I FOUND OUT THRU MAIL I HAVE CREDITORS ASKING FOR MONEY AN THREATENING ME AND FAMILY MEMBERS. I DID HAVE AN INCIDENT WITH MY CELL PHONE SIM CARD KEEP GETTING DEACTIVATED I HAD TO KEEP GOING TO THE STORE AND GET A NEW SIM CARD EVENTUALLY A NEW PHONE TOO BUT THE IS ALL I CAN THINK. MY IDENTITY WAS STOLEN AND I NEED TO FIX IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: National Credit Adjusters, LLC
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: Reporting company used your report improperly

Complaint:
National credit adjusters agreed to accept my settlement payment and remove information from my credit report 30 days upon final payment. This information is still reflecting on my XXXX and XXXX credit report. XXXX has removed the information after requesting deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-12-08
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX  Has reported this account on my credit report for longer than they are allowed. This account has been paid in Full Since XX/XX/2015. I have reached out to this Creditor in regard to having this account removed due to the fact that this type of account prevents me from being able to get certain Jobs in my current field.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by a rep claiming I owe debt to a  XXXX  loan company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of   XXXX   XXXX  ,   XXXX ,   XXXX    and   XXXX   XXXX    have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on   XXXX   XXXX   and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-17
Company: EQUIFAX, INC.
State: CT
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-02
Company: Experian Information Solutions Inc.
State: MO
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 sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my annual free credit report, XXXX, Experian, and XXXX  are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone

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 2021-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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