BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Owe XXXX a debt of little over {$700.00} which is currently on my credit report. Received an alert on my credit that a company name Credence opened a new account. Contacted them to dispute it because I had no business dealing with them. They stated they are a third party collection for XXXX. Never received any documentation from them and now they are hitting my credit twice for the same exact thing. I asked them to remove themselves off of my credit being that I do not have any dealings with them and XXXX is already on the report. He stated that he understands and once I pay XXXX both will come off. They need to be removed asap and not able to just hit someone's report twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX I submitted proof to XXXX and Equifax that the Bankruptcy item was unverified. On XXXX XXXX I received an alert from XXXX stating that they will notify me when my dispute is complete. They fail to remove the accounts that I proved to be unverified. I filed a police report I also filed a identity theft report with the FTC as well as an affidavit. This item remains on my credit hurting my score after I demanded removal with 609 credit letters which ask to send the original documents of these debts or remove the items within 30 days these companies failed to act in removing these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Reporting company used your report improperly

Complaint:
To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX ( Hotel and travel ) XXXX ( Retailer ) XXXX XXXX  ( Bank ) NXXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you 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 2019-06-26
Company: Experian Information Solutions Inc.
State: NJ
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:
I have several inquiries on my credit report that don't belong to me. please remove .XXXX, XX/XX/2019, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX, XXXX  XX/XX/2019 XXXX, XXXX XXXX  XXXX XXXX XXXX your tution XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XX/XX/2019, hdc XXXX im starting to apply for credit and now I have all these inquiries on my report. They stated this was done online and not in person please remove this from my 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 non-monetary relief
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I spoke with a representative twice @ XXXX. Once in XXXX XXXX and again XXXX XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in XXXX I then also mailed validation letters on 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 2019-04-28
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a form letter from XXXX XXXX XXXX  that my application for a XXXX XXXX credit card was not approved because ... the credit-reporting agency has indicated the applicant is deceased. ... 

When I was young, I would have found this humorous. Now in the twilight of my life, I find it predatory. 

I can supply a snapshot of the form letter if you so desire. 

XXXX XXXX is listed as the credit report provider. In trying to reach out to them, I see by their website, that before I can get this fixed, I would need to give them personal information that I would refuse to give them. I will not give out my SS number or birth date to any I dont trust. Someone, even mistakenly, who finds me dead, is not trustworthy. 

There are a number of items I would expect from a successful outcome of my death perpetrated by either XXXX or XXXX. I will give you those requests in a longer document if you ask. As an example, I would like a physical address of the US business so I could go to their office and prove my existence. A P.O. Box in CA from an LLC registered in DE gives me little confidence in their existence. Because XXXX  is similarly just a P.O., I will continue to champion the use of local Credit Unions versus big national/international financial institutions. 

I appreciate any help you can give. 

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 2017-11-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX MUST CEASE AND DESIST COLLECTIONS ON CONSERVE ACCOUNT NO.XXXX XXXX XXXX XXXX AND XXXX XXXX LOAN NO.XXXX DEALING WITH THE ORIGINAL CREDITOR XXXX. ( SEE ATTACAHED ) THEY KEEP VIOLATING THE DODD-FRANK ACY, INDIANA 'S ATTORNEY DO N'T CALL RESGISTRY AND T.C.P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Smith & Smith Investors LTD
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit reports, I have found invalidated information which has been reported by Hawkeye Adjustment Service, located at XXXX XXXX XXXX, XXXX XXXX, IA, allegedly opened on XX/XX/XXXX, that I dont recognize. To my knowledge, I have never received any notice or communication from this company previously. I disputed this alleged debt, in writing, on XXXX XX/XX/XXXX directly to Hawkeye Adjustment. Letter and certified mail/return receipt proof are attached to this complaint. This letter requested validation and proof of the alleged debt, that Hawkeye Adjustments legally owns the alleged debt, accounting of the alleged debt, their license and legal ability to collect debt in the State of Nebraska, among other pertinent forms of proof. 

On XXXX XX/XX/XXXX, I received a response from Hawkeye Adjustment in the mail dated XXXX XX/XX/XXXX. The response is also attached to this complaint. A self-generated List of Accounts by Hawkeye claiming XXXX this is an attempt to collect a debt. '' Besides not validating, verifying, or proving anything, this accounting of an alleged debt states that the last creditor activity was XXXX XX/XX/XXXX. If that is true, then this alleged debt is time-barred according to the laws of the State of Nebraska. More so to this point, there was no proof in their response that Hawkeye Adjustment is legally allowed to collect debt in the State of Nebraska, for which these operations require a license. Fortunately for me, the State of Nebraska posts a complete list of Licensed Collection Agencies on the Secretary of State website. This list was last updated in XX/XX/XXXX, and Hawkeye Adjustment is nowhere to be found on this list. I can only surmise that this company has been illegally operating in the State of Nebraska the whole time they have been wrongfully and illegally reporting unverified and inaccurate information about this alleged debt on my credit reports, for over 3 years according to their own documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I continue to be harassed with phone calls from Ally financial with regards to my auto loan ending in XXXX. 
I already told a rep a few weeks ago I would be making a payment of {$550.00} for the end of the month I am roughly one month behind, But I am buried with their late fees for another {$500.00}. I often pay more than the {$510.00} they ask, but they do not apply the extra towards late fees like they used to. 
They call from a number that comes up as unknown and do not identify themselves properly. 
They are calling from the XXXX, and are asking for Sensitive identity info. 
I have asked them to stop badgering me, as I have already made a promise to pay, but they continue to call and press for funds before the date I said I could pay!! 
I have had a death in my family and needed money for funeral Expenses. Im trying hard to catch up. These calls are harassment and frustrating. 
Pls do something about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is calling my XXXX mother 's house daily, sometimes multiple times a day despite the fact that they know where I am and even have taken me to civil court. They are absolute scum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: World Omni Financial Corp.
State: FL
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : WORLD OMNI FINANCIAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: The Bureaus, Inc.
State: FL
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : 0,  REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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:
I was informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED

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 2022-03-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed my XXXX XXXX XXXX  credit card I have with them, because of my credit report showing delinquency with another account that has no association with American Express . My accounts is in good standing by not being in default or delinquent so adverse does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and XXXX  since being stripped of my credit card, making it difficult pay bills and get gas for my car. American Express is responsible for all damages resulting from there actions towards me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I canceled an air ticket purchased with my credit card issued by Chase Bank on XX/XX/2022. It shows clearly that the tickets were Fully Flex which means " refund permitted free of charge '' in the email from the merchant XXXX. The merchant failed to process the refund within their promised duration, and I raised a dispute against the merchant with Chase Bank. However, Chase refused to refund the full amount of the value of the tickets citing misleading if not fabricated at all, copies of " refund policies '' submitted by the merchant without providing a fair opportunity for the consumer to provide their evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan servicer was XXXX, I mailed in three payments, 1 in XX/XX/XXXX & 2 in XX/XX/XXXX- as far as I am aware only 1 of the 3 payments was debited and applied to my account. I am not  sure, bc I have received contradicting letters, as well as contradicting information on the phone. I received a letter dated XX/XX/XXXX stating that my loan was being transferred to Rushmore. Since being transferred, XXXX advised me that I do not need to worry,XX/XX/XXXXpayment will apply & a delay was common. To date, I have received no checks back & no payment was applied that I know of. Th new servicer told me to contact XXXX & XXXX told me they no longer had my file & to contact the new servicer. I had also contacted the new servicer on several occasions to enter into a repayment plan- for the months that were becoming past due ( not including the months for which I sent payments in for ). They were going to send me a packet for repayment options & told me to either send the payments in again or wait to receive them from XXXX. I have now received a notice of Default & to Foreclose from the new servicer & no packet, no assistance options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-01-16
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: Public record information inaccurate

Complaint:
This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Innovis
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:
XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.

Company response to consumer: Closed with explanation