BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Tuesday, XX/XX/XXXX around XXXXXXXX XXXX, I received a suspicious phone call from someone who claimed to represent a debt collection agency with XXXX XXXX XXXX. He knew my name, my email address, and the address of my previous residence. He insisted that I had a {$170.00} debt that needed to paid urgently, and that it has already hit my credit. 

He was very insistent that I pay immediately through his guidance on the phone, but I hesitated to oblige and eventually hung up, so he would stop pressuring me. I don't think the call was coming from within the US. It felt like a scam. 

I then went to check my credit to see if there was any truth to what he said, and I was shocked to see that my XXXX score was indeed affected. A company by the name of Creedence Resource Management had reported this falsified {$170.00} debt to my XXXX account. 

I searched this company online to discover that dozens of others have been victimized as well - virtually all of them mentioning a similar scam involving a falsified debt with XXXX XXXX XXXX. 

It's been about a year since I've used XXXX XXXX XXXX. The apartment that I lived in at the time bundled this service with my rent, so I paid the property management company every month, and they paid for XXXX XXXX XXXX XXXX service under my name. I received an electronic bill every month from XXXX XXXX XXXX for {$0.00} to acknowledge the payment. 

At no point should I have accrued any kind of missed payment from XXXX XXXX XXXX, and if so, one would think they would contact me directly with a notice. 

Because my XXXX XXXX XXXX account closed after I moved out, I don't even have an account to log into to see if there is even any kind of debt to pay. My email is no longer on file for them. I'm sure XXXX XXXX XXXX can verify all of the information I have shared above. 

I can only assume that this scam company obtained my personal information as a result of a data breach on XXXX XXXX XXXX XXXX end earlier this year. I'm filing this report to bring attention to the issue, and to use as documentation for the dispute I've filed with XXXX. 

I am attaching a screenshot of the derogatory mark from my XXXX XXXX account, and screenshots of some of the XXXX reviews Credence Resource Management has received - showing that others are dealing with the same issue. 

I am also attaching the final email bill of {$0.00} I received from XXXX XXXX XXXX, which was sent to me several months after I moved out. I moved into my new house in XXXX of 2022, and do not currently have any service or account with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a notification from Credit Bureaus that a New Collection was added to my Credit Report by the Name : IC Systems Inc XXXX XXXX MN These people claim I owe {$200.00} I have spoken to them in the past about this debt and told them this is not my debt. They claimed I created this debt but I deny these allegations because I have never heard of the company that sent the Debt over to them. This debt was not created by me, I feel this company is out to damage my credit report and my reputation

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 2023-07-12
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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:
On XX/XX/2021, XXXX XXXX, added a derogatory mark on my credit report per EXPERIAN. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtor/Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2023-05-21
Company: Zions Debt Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past 3 years, both my wife and I have repeatedly been reported as in collections with ZIONS DEBT HOLDINGS LLC for a debt that was settled with our previous home security provider, XXXX. 

- Account with XXXX was cancelled on XX/XX/2017. 
- Auto withdrawl from " XXXX XXXX XXXX '' was collected on XX/XX/2017 for {$31.00}. 
- Check # XXXX for {$31.00} was cashed by XXXX, memo on check stated, " If cashed, balance is paid in full. '' - XXXX hasn't contacted us via email, phone, or letter to support collections. They only appear on our credit reports for each bureau every 6 months. 

We constantly dispute this debt collection with each of the credit bureaus that have it listed. Once disputed, it is removed, but 4-6 months later it is reported again. Each time it is reported we receive up to XXXX points deduction from our credit scores as a result of this collection. However once it is removed, it takes us months to build that score back up. How can we ensure that Zions Debt Holdings, LLC stops harassing us and damaging our credit for something that was paid in full and was never in collections to begin with as we cancelled our contract with XXXX?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling me non-stop, almost everyday, sometime multiple times a day for weeks now. They are calling me while I am at work, which is oppressive, extremely frustrating, and affecting my ability to work. They keep trying to misrepresent who they are when they call to mislead me to believe they are a different entity by using dozens of different random auto-generated phone numbers to show up on my caller ID, but they keep leaving the same exact erry message. 

I've tried communicating that the debt is not right, I do not agree with it, and that I have to refuse to pay or continue to be harrassed to no end. Still, they persist to call over and over again. They are clearly violating the Fair Debt Collection Practice Act and need to be stopped. A lawyer told me they would file a lawsuit against them for me, but I am hoping that this might work faster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: AR
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:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: NC
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:
Previous complaint # : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Method of Verification Certified mail receipt # XXXX Pursuant to 1629 ( g ), I am requesting the method of verification for the following disputed account ( s ) : 1. XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated.

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a CLOSED visa credit account at XXXX XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.

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 2023-04-06
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: Old information reappears or never goes away

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified erroneous accounts that are negatively impacting my credit score. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to remove the charge off accounts from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Experian Information Solutions Inc.
State: NC
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2022-03-13
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX, my wife and I reviwed our statement from Barclaycard covering the time period from XX/XX/XXXX to XX/XX/XXXX. The statement was XXXX pages long and included many transactions that were repeated XXXX or more times as credits to the account and then as debits to the account. And, the original dates of some of the transactions went back months before the statement period but then showed new posting dates within the statement period. We each called Barclaycard several times over the next couple of days to ask for a new, accurate statement. They did not provide a new statement. Instead, they sent additional copies of the same statement. They promised us that they would not charge any interest or late fees on the account until they were able to provide us with an accurate statement. We have called to follow up at least once per week for the last month. Barclaycard promised that with our next monthly statement, they would correct the problem. They did not correct it. Instead, when we received the statement covering XX/XX/XXXX to XX/XX/XXXX, it had similar problems with mulitple transactions repeated as credits and then as debits to the account. It also showed a large interest charge. When we called to complain, they claimed that the interest charge was removed and promised to send new, corrected statements for each of those two months. They sent new statements but they were exact copies of what they had already sent us. We called to complain again and they said that the problem was being reviewed and they could not tell us when it would be resolved. They again promised not to impose any interest or late charges and agreed that we had no way to accurately determine what we owed- but it is not clear if they will follow through on those promises. More than a month and two billing cycles strikes me as an inordinate amount of time to correct inaccurate billing statements and provide accurate ones. They have claimed this was all due to a system upgrade and we have talked to several supervisors, but there is still no resolution or timeline for a resolution. I don't know how to get them to provide accurate billing statements so that I can pay what is owed other than raising this 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 monetary relief
Consumer complaint received 2023-05-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
2016 $ XXXX Fell behind on mortgage Loan modification requested Denied

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 2023-04-06
Company: EQUIFAX, INC.
State: IN
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 is my several endeavors to tell credit bureaus 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXX  Balance : {$2300.00}.

Company response to consumer: Closed with explanation