BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

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 2022-03-02
Company: Avant Holding Company, 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: Information belongs to someone else

Complaint:
I filed a dispute with company asking them to verify my debt.The representative could not pull up my account because the account is not linked to my social security number. This account was opened with another social security number with a person with the same name as me. I've disputed this with the company several of times. When asked to provide my written signature giving consent to the application for this line of credit all I receive is statements with another social security number. I have disputed this for two years and there has yet to be a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was approved for income based repayments through Navient on XX/XX/XXXX with the date of first payment being XX/XX/XXXX. Today, XX/XX/XXXX, I went to make a payment and it said I owed over 300.00. I can not pay this amount. I can barely afford the XXXX IBR payments, as I am only making a few cents more this year than I did last year when my payments were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In 2006, Wells Fargo engaged in applying late fees on top of unpaid late fees for my bi-weekly mortgage. This is known as pyramiding late fees. This was caused when they transferred my loan to a new service and stopped my account payments. This forced me to call and make ach payments by phone call every 2 weeks for about three months. The total of these late fees amounted to just over {$1000.00}. To this day, they insist on no wrongdoing even though they were successfully sued for this very same practice. Wells Fargo Home office refuses to fully investigate my claims and provide proof that my claim is false.

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 2020-09-22
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am showing an account on my credit report from receivables performance for XXXX account. I have already taken care of this with XXXX and do not owe any money. It started out with a balance of {$960.00}, and I filed a dispute with transunion due to me not owing this collection balance. This came back with the balance reduced to {$380.00} and with the remarks that it was disputed and meets FCRA requirements. I have reached out to both this company and XXXX and keep getting the run around. XXXX is telling me that it should have been removed from my credit report and credit karma because they are showing no collections balance with them and showing this account had been taken care of. I need this deleted ASAP.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2023 XXXX XXXX XXXX arbitrarily closed my checking, savings, and credit cards account. I had been a client of XXXX years. 

They did not provide me with an exact reason as to why, though this recent XXXX XXXX XXXX article is the citation I found myself in : XXXX XXXX XXXXXXXX As a result of their actions I had to open new checking, savings, and credit card accounts at new banks. 

Also, and more importantly, due to their actions, my credit score has declined from a solid. XXXX to around XXXX. 

It is now more expensive for me to acquire loans, credit cards, etc. 

I feel my credit score should be restored to its XXXX value.

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 2019-04-19
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an open collection account for {$38.00} on my Equifax file that was removed from XXXX and XXXX  a long time ago. The account shows as " Consumer disputes this account information ''. I have disputed this account twice with much difficulty. When attempting to submit a dispute with Equifax, I am asked a set of four questions regarding my credit file - many of the questions are based on accounts I never had, bank cards I've never had, and an auto loan that I've never had and never applied for. Only once ( out of several attempts ) was I asked questions that were based on correct information. One time, I even called Equifax to submit the dispute. It was extremely difficult to do so and I never received proper documentation after submitting the dispute. 

Recently ( approximately two weeks ago ) a duplicate of the same collection was added to my credit file and showed that I had not disputed the account. This morning I checked again and the duplicate was removed but the initial disputed account remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After making several calls to transunion and sending out several certified letters with the return receipts, regarding the following inquiries : 1. XXXX Fa XXXX 2. XXXX 3. XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXX 7XXXX 8.XXXX 9XXXX XXXX 10.XXXX XXXX XXXX XXXX they are reporting on my credit report. tRANsunion is reporting not yet proven compliant information. TransUnion has detailed on my credit report. Reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 2023-03-12
Company: EQUIFAX, INC.
State: MS
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 wFair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Open Dealer Exchange, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple hard inquiries on my XXXX report that I have no knowledge of and did not authorize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy 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 2022-03-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Sent Letter Out Equifax since XX/XX/2022, I have not gotten an update from XXXX about XXXX XXXX XXXX. XXXX is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creedence Resource Management keeps calling everyday sometimes 2 times a day to collect a debt for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: Cascade CISS Holdings, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
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 in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. Law 15 U.S.C. 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent.

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 2017-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX Experian XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/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 2023-11-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
The CFPB does not assist with helping consumers. COMPLAINT ID XXXX you allowed this company to provide a response to my claim and closed the case without any review of the information they provided. They might as well have submitted a stick drawing. I am writing in response to your recent communication to the Consumer Financial Protection Bureau ( CFPB ) where you stated that you mailed a Right to Cure letter and a Final Response letter to me. However, I did not receive these letters, and I am deeply concerned about the discrepancy between your claim and my actual experience. 
In addition, it is evident that the validity of the letters you claim to have sent is indeed questionable. One significant portion to support my claim of NEVER having been sent these letters is the lack of information regarding the repossession process. From these submitted letters, you can determine that I was NEVER informed about the location to which the vehicle was sent, the entity responsible for the repossession, or the steps to retrieve personal items from the repossessed vehicle. Furthermore, there is no mention of the auction details, including the location, date, or time of the auction. Calling you for this information does not satisfy the requirements of the law. Had you sent these letters, however, I would have known that calling for this information was an option. 

The other notable item is you stated you repossessed the vehicle on XX/XX/2023. That is the date on the letter you provided in the Fraudulent " Notice to sell the vehicle letter you provided. '' What are the chances you wrote me a letter on the same day you repossessed the vehicle? 

These critical omissions raise doubts about the true existence of the purported letters prior to the CFPB being informed of your improper handling of this matter.

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 2023-04-23
Company: EQUIFAX, INC.
State: NY
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 Credit bureaus stated XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report unidentified the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Gitsit Solutions, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I was contacted by a GIT SIT SOLUTIONS stating they are the new loan servicer. Later they contacted me stating they are not only the Lender, but also the servicer. They stated they the alleged loan was transferred from XXXX XXXX XXXX XXXX XXXX XXXX. I have never had a contract with nor given consent to XXXX XXXX XXXX. XXXX has never disclosed themselves as the " Lender '', only the servicer. How could GIT SIT SOLUTIONS become the owner of an alleged loan transferred from XXXX  when XXXX was never the owner?

Company response to consumer: Closed with explanation