BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Credence RM. I did not open or authorize the account that you are reporting a balance of XXXX. This fraud account was not opened by or used by me. I've never had any obligation with you nor the company XXXX you represent. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: AR
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:
In accordance with the Fair Credit reporting act. Convergent account # has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion is saying that investigation results-verified as accurate. When I have proven on more than one occasion from 2018 to present that the information is not accurate and should be deleted from my credit report. And due to the fact that the collection agency XXXX XXXX XXXX is reporting that the loan type is an open account - as if Im paying them monthly, I have asked TransUnion to send me a copy of the provided proof of the alleged item, specifically the contact, note bearing my signature. And they have refused to send me any proof. I have been in correspondence with them for more than six straight months with still no proof but yet they continue to update on my credt. I contacted XXXX and was sent papers. I responded back and let them know that the information was inaccurate and incorrect and should be removed from my credit. And yet it still remains considering the Fraud and Ponzi Scheme that had them shut down and Assets frozen. But the documents will show

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 2023-05-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXXdept of Ed has reported multiple student loan accounts on all 3 credit bureaus that do not belong to me. I have contacted XXXX I have contacted all three credit bureaus to request that they delete these fraudulent accounts off my credit reports. And they have failed to do so. 

I have an account in the amount of XXXX open XXXX I have an account in the amount of {$3500.00} open XXXX, XXXX  I have an account in the amount of {$1200.00} open XXXX, XXXX  None of these accounts belong to me and I would like them removed from my credit report under the fcra I have to right to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2021-07-23
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have debt in collections on my credit report from choice recovery. Ive never conducted any business with choice recovery. Ive disputed this chargers asking them to remove from credit report. Choice recovery sent me personal medical information and records of mines in which they shouldnt have. Ive never released Nor gave permission of release any of my medical history to Choice recovery. Choice recovery has violated my HIPPA rights by obtaining my medical records without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've try for the last two years to resolve this account with Comenity Capital Bank and they incorrectly put my account in collections. I went through a financial hardship and try my best to work a payment arrangement with them. Now my account is with XXXX XXXX and XXXX XXXX XXXX. I've called XXXX XXXX XXXX to settle my account and I was hung up on several times. They have the worst customer service. I do not know what else to do. This account is on my credit report as a collections account but XXXX XXXX and XXXX XXXX XXXX are not collection agencies. I want this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These Hard Inquiries Were NOT Authorized : Consumer Portfolio Services- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/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 2021-12-18
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a credit card account with XXXX, which shows up as FEB-RETAIL in my name and made two attempts to apply for credit with XXXX  XXXX XXXX I received and alert from XXXX XXXX on XX/XX/2022 about the XXXX account. Also, received bill from Genesis with several purchases of XXXX Laptops plus other purchases. I immediately called the company using the phone number on the bill. Once I got through to a Representative the asked for my name, address, phone number, and email address. When the Representative found that the email address was different she immediately connected me to the Fraud Department. I spoke with someone in the Fraud Department who closed the account and stated he would be sending me paperwork to fill out to report the the fraud. Also, I tried several times to reach/call XXXX XXXXXXXX that Saturday, but was left on hold so long several times that I gave up. Although, they applied for credit with XXXX  XXXX the application was denied. They made two two attempts and were trying to get a a quick response from XXXX XXXX, because I received a second letter stating that they did not have to submit twice to get a response. However, it took approximately two weeks for the paperwork to arrive by mail. After speaking with the Fraud Department at Genesis FS Card Services, which was on Saturday I called my local police department. The Police Department sent and officer out to my home and he did a police report. The police officer also, took pictures of all documents I received from Genesis FS Card Services and from XXXX  XXXX. The police officer gave me his badge number, name, police report file number, a contact number, and email address. The police officer told me to call him if any thing else came in the mail or unusual happens to immediately call the police department. I also, reported a strange vehicle parked while the mail was running, I tried to get a snapshot of the vehicles tag, but it did not have a tag. Additionally, the Genesis FS Card Services is on my credit report. I put freeze I my credit with all three consumer credit agencies and disputed the account with Genesis FS Card Services. 

Once, I received the paperwork from the Fraud Department at Genesis I called the police department to set up an appointment with the officer to come back out to my home and sign the the paperwork, so I could have a Notary sign and stamp the paperwork. Next, I called the police department to get a copy of the report to send to Genesis. I spoke with the investigator and she told me to file a report on XXXX regarding what happened to me. 

Honestly, I believe they came to my home and picked up their purchases when no one was home. Plus, we didnt have cameras.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2021-12-06
Company: Experian Information Solutions Inc.
State: MD
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:
This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.

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 2023-09-19
Company: EQUIFAX, INC.
State: CA
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:
Please remove all XXXX XXXX XXXX XXXX accounts and inquiries due to fraud. 

FTC report and ID attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately FTC report number is : XXXX Accounts are listed in the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: CT
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My student loans were sold by XXXX XXXX to XXXX. XXXX XXXX held my student loans since XX/XX/XXXX. When they were sold to XXXX ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks latXXXX XXXX  opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. XXXX listed my oldest account at 7 years old although XXXX XXXX reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years XXXX is reporting ). The numerous, newly created accounts by XXXX along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that XXXX XXXX was likely reporting it incorrectly previously. XXXX XXXX held my student loans for over a decade. I have no control or say in my student loans being sold. Whether XXXX XXXX was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way XXXX is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. XXXX will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello, I emailed 2 letters to TransUnion regarding the XXXX XXXXXXXX XXXX XXXX  ) inquiry for XX/XX/2021. This inquiry is not mine and should be deleted.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: MI
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 do not have any contract with this company and they are alleging I have a debt with them and have violated my laws attempting to collect this illegal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-09
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:
I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to XXXX, XXXX and Experian several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both Experian and XXXX and XXXX. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.

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 2023-03-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
While I was banking with Wells Fargo in 2017 I was incorrectly charged over {$100.00} in overdraft fees because I paid several small bills and then a few days later saw that I had money in my account to pay a larger bill. They immediately took out the large payment and then a few days later i checked my account to see that all the small payments had been taken out a few days after the large payment had gone out. They charged me overdraft fees on EACH INDIVIDUAL small payment that went out. I immediately called to resolve the issue and they did nothing but make excuses for the delays in taking the smaller payments out several days after they had been sent. I had to pay all the overdraft fees and ended up closing my checking account. I would like to be compensated for this after finding out Wells Fargo is now admitting to fraudulent banking activity during the time I was affected.

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 2019-05-07
Company: WINN LAW GROUP, APC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a letter dated XX/XX/2019 from a Winn Law Group,  this collection law firm In XXXX  threatening me with legal action and a judgement against me. I am not a resident of the state! The debt they are trying to collect was acquired in XXXX and has reached the 4 year statue of limitations to collect the debt in the state of XXXX.

Company response to consumer: Closed with explanation