BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ask the collection company to prove they have debt with me and was n't a collection agent that bought a account for pennies on the dollar and is now coming after me for a debt that they cant prove by any form of contract that I ever did any business with thus company!!!

Company response to consumer: Untimely response
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi, Trans Union is reporting fraud information on my credit report from a XXXX party company XXXX XXXX XXXX which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC & disputed with Resurgent/LVN. This XXXX account is reporting as collection & made my credit score drop XXXX points which I worked so hard to build my credit to the XXXX 's so far. How could XXXX collection account that isn't even mine, make my score drop so much!!! This is hurting my goals of buying my XXXX home & new car! Im so devastated & need Trans Union & or the company to remove this fraud immediately from my credit, ALL OF MY CREDIT REPORTS! Both XXXX XXXXXXXX XXXX XXXX Trans Union are violating my rights & breaking the law. A computerized summary of fraud account with my name it, is NOT legal proof! 
I have uploaded supporting docs. Thank you

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 2022-11-21
Company: EQUIFAX, INC.
State: MO
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:
I am submitting this CFPB Complaint to request to you once again to look deeply into my complaint and have the disputed items removed as soon as possible. 
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX Owed : {$370.00} ACCT XXXX XXXX XXXX Balance XXXX : {$370.00} ACCT XXXX XXXX XXXX Balance Owed XXXX {$370.00} ACCT XXXXXXXX XXXX  XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: U.S. BANCORP
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
18 months ago I leased a vehicle in New York with US Bank as the lease holder. 

Recently US Bank sent me a letter informing me I owed them nearly {$600.00} more in sales tax because I moved to Nevada? and that the Nevada Sales Tax Department had sent them ( US Bank ) a letter attesting to this. I contacted the taxation department in Nevada and they confirmed not only did I not owe them any tax of any kind but they had not sent US Bank any letter stating that I did. 

The Nevada State Taxation Department subsequently Faxed a letter to US Bank informing them of this, that I in did not owe any Nevada tax on this leased vehicle ( I have a copy of their letter and attached it to my complaint ). 

US Bank subsequently debited money from my bank account without my authorization to pay for this bogus 'sales tax ' after I told them to stop auto debiting. They then promised me to mail the money back to but they have not done so and continue to send me letters insisting I owe the state of Nevada {$600.00} in sales tax. 

I have called US Bank Leasing department several times about this matter but the people in the department frankly have no clue about leases or sale tax and are of no help. 

I believe US Bank is attempting to defraud me. I need 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 2023-05-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had this mortgage for in excess of 10 years. I have never missed a payment. 
My payments are scheduled to come directly from my checking account one or two days BEFORE the first of the month in which it is due. I have been harassed by collection calls to my place of employment. I believe that this practice is illegal. I have tried to reach someone in the company who is not just a collector to no avail. I have requested documentation or statement of how they think I am delinquent. All of these requests have been ignored. I am attaching a letter from my bank showing payments made from XX/XX/XXXX through XX/XX/XXXX. I could also provide statements for payments made from XXXX through XXXX of this year. 
I would like to add that after the first few collection calls, I was convinced that this was a scam. I couldn't reach anyone in a responsible position and they only tried to contact me via my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX, my husband passed away after a 3 month hospital stay. Not long after, I was inundated with medical bills, as well as I was working with his attorney to dissolve his Chapter 13 bankruptcy that was filed in XXXX. It was a very painful experience but after several months every creditor was notified of his passing, death certificates were sent, and I was able to begin the grieving process. In late XXXX I received a call and a letter from Portfolio Recovery. I explained to them the situation and they told me the account would be closed. In the last 24 months since then I have received numerous calls and letters from Portfolio Recovery. I have asked numerous times for verification of the debts they have for me and they have yet to provide me the information despite the fact that they have my mailing address. This has also been reported my credit report, and while it does show disputed, there has been no effort to provide proof of the debt to have this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
State: CA
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 monitor my credit with XXXX XXXX through XXXX  and Equifax reports. On XX/XX/XXXX my FICO score with XXXX was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with Equifax, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from Equifax Trusted ID for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called Equifax. The representative told me XXXX had made a remark on my report and that is why Equifax dropped my score and subsequently XXXX also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
continued attempt to collect a debt with failure to provide verification under the fair debt collection practice act notice of validation was sent by myself on XXXX/XXXX/2016 via U.S.P.S. certified mail tracking XXXX notice was received on XXXX/XXXX/2016 and proof mailed back to me return receipt # XXXX they failed to provide the following information Explain and show me how you calculated what you say I owe, Provide me with copies of any papers that show I agreed to pay what you say I owe, Provide a verification or copy of any judgment if applicable, Prove the Statute of Limitations has not expired on this account, Show me that you are licensed to collect in my state, Provide me with your license numbers and Registered Agent. 
continued efforts have been made to collect the debt without validation under the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Other

Complaint:
After looking over my credit report I noticed that there were XXXX late payments reported by Macy 's. XXXX XXXX and XXXX XXXX. I spoke with a representative in XXXX advising them that there was fraud on my account and I did not make the purchase to put the balance on there. They stated that they would remove the late payment reported. Same instance with in XXXX XXXX, I received a notification that I missed a payment. After I tried to make the payment and was told that the XXXX option on their website was having issues, I told a representative that I should not make this payment because their was fraudulent activities on my account. I was refunded the amount I paid and told that the late payment would be removed. After glancing over my report XXXX XXXX. I notice that these negative reports have not been removed. I called and spoke to a macy 's credit representative that stated since the fraud case was not investigated, they reported accurately, and there is nothing they can do about it because of the amount of time I waited. They did not report accurately and they have failed me as XXXX of their loyal customers. These payments should be removed due to the fraud that I reported the moment they where committed.

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 2022-11-21
Company: EQUIFAX, INC.
State: TX
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX Date Assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, you have continued reporting some of the accounts and information that was already been removed from my Credit file from other Credit Bureaus. If you believe that the disputed accounts and information belong to me, I require you to send me copies of proof of verification. In the event that you can not find any documents supporting your claims, immediate removal of the disputed items is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2005 XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX  XXXX Balance : {$730.00} 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 non-monetary relief
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: AL
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:
Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 ) ( 1 ) 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.

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 2019-09-29
Company: CITIBANK, N.A.
State: CO
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:
I have CITI credit card. The statement due on XXXX XXXX had a balance due of {$54.00}. 23 days prior to the due date I returned an item and received a credit for {$35.00}. 
that would leave a balance due of {$18.00}, which I paid in full on XXXX XXXX. 
The problem is the the computer showed a " MINIMUM PAYMENT DUE '' of {$25.00}. That is more than I owed. 
So, they started with the pre-recorded messages about this " UNDER PAYMENT '' problem. 
I responded and spoke to several support level people. One of whom was the Arizona call center manager. When I asked why I was being asked to pay more than I owed?, the response was robotically repeated, over and over ... ... '' You didn't pay the minimum payment due. " ... ..for each person I spoke with ... .the SAME!!! 
Now they are sending the opening message again and again ... .again. 
I would like to settle this, if I could only speak with someone who could at least entertain the possibility that the {$25.00} figure could even possibly, maybe be WRONG. 
CITI is still asking for the {$6.00} to meet the " MINIMUM '' and they are tacking on more FEES. 
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 2018-09-03
Company: Experian Information Solutions Inc.
State: CA
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:
Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees.

* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge XXXX The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* Prec '.

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