BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I made a payment of prepayment of the coming bill due. I switched to XXXX on XX/XX/XXXX. XXXX sent me a bill for XXXX dollars for billing for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 

I canceled my service on XX/XX/XXXX with XXXX. 
I have proof of this. Yet they refuse to adjust the bill and now a debt collector has called me in regard to this Fraud bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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 ACCOUNTS AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT. I HAVE A LOT THAT I WANT TO ACCOMPLISH AND BECAUSE OF THE DAMAGE THAT THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED, I AM AT PAUSE WITH EVERYTHING. I AM ASKING THAT THIS MATTER PLEASE BE RESOLVED. PLEASE RE-INVESTIGATE AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AT YOUR EARLIEST CONVENIENCE.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Rent Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other 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:
Dear cfpb, I am writing to inform you that the debt collection practices in which rent recovery solutions has practiced are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. 

Firstly, this agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. 

Secondly, this agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. 

Finally, this agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. 

I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. 

Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have continuously added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: AZ
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Credit Plus Inc
State: FL
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:
XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plusXXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX  XXXX  pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After receiving a bill from Capital One in XXXX, that I had requested in XXXX and also XXXX. I mailed in a remittance payment for a special deposit and Capital One did not apply my payment. This is the most serious of the errors. 
I had received a fraudulent claim on my card, called the claimant and resolved the dispute on my own. Meanwhile, Capital One canceled my card, mailed a new one and canceled that one also, they claimed there was a purchase on that card before I received it. I subsequently was never issued a card. 
I did not attempt to pay my bill in full, as Capital One claims, I merely tried to make a payment in good faith. 
I never requested to close my account, as Capital One claims. I merely wanted an unused credit card, and a bill so I could satisfy the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX : {$5400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CareCredit/Synchrony bank changed their website where I have been scheduling my payments for time, they recently changed the payment site where you can not find the section that give you the option to schedule your payment. There is a popup that shows just a summary of your accounts and also a payment can be made from that option but there is a problem because your payment will not be made from that point. I am disputing my XXXX payment it was not late. I scheduled it on the XXXX, and it does not go through until it is submitted. I was charged a late fee because the statement shows it posted on the XXXX also {$30.00} charge. This is not my fault I received a confirmation number XXXX but evidently their system did not note this. There was a system problem with Synchrony in recording my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
well XXXX got me, gave be a better deal was to pay of my XXXX and they also took 4 of my phones, well when I was a the XXXX store I let the XXXX guy get into my XXXX to have all payments cleaned up, 3 week later nothing I was turned into the collections agency 's for my XXXX, so I paid that, then every other day I would call to ask for a manger or would drive down well the guy who took care of me got fired but yet I was still determined to get to a manager, XXXX XXXX XXXX XX/XX/2017 was not able to drive for a few but could call, still no manger well was ready to do some driving still no manager to talk to so will XXXX breaking contract first buy not paying XXXX I shut XXXX off not only they owe me XXXX for paying back XXXX they also owe me for 4 cell phone they lost well here I am I disputed this with XXXX and was deleted from my report XXXX XXXX account # XXXX now someone else have bought it and placed all creditors on all my 3 reports I don't know what to do, not only have they lost it also fraud thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: SUNTRUST BANKS, INC.
State: DC
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: Card was charged for something you did not purchase with the card

Complaint:
*XX/XX/XXXX - 7 charges to a SunTrust MasterCard at a XXXX XXXX amounting to # XXXX ( 4x {$100.00} and 3x {$200.00} ). 
*SunTrust alerts me via text ; I respond immediately that these are not my charges. 
* ( the same day, XXXX XXXX XXXX. called w/ similar fraud charges at XXXX and immediately dismissed them from account when I assured they were not my charges ) * Approximately 2-3 weeks later I receive a letter from SunTrust stating that their investigation determined that these charges are my responsibility. 
* A long phone call followed with several people at SunTrust 's security/fraud division. After more than an hour, their conclusion was the same. The investigator cited " inconsistencies '' but no one could tell me what they were. 
* I visited my local bank mngr. several times and exchanged sevearl emails with him ; he tried to help but could not. A phone call from a higher regional exec. said the same. 
* During another call w/ ST, I was finally told that an inconsistency was that the card chip was used and because the card is in my possession, I must have used it. 
* XX/XX/XXXX - I wrote letter to Mr. XXXX. XXXX, president of SunTrust. His office called to tell me there was nothing they could do. 
* I spent more than an hour on phone w/ XXXX business div. who researched charges and found nothing at cited store ( XXXX XXXX XXXX, XXXX, DC ) or in any other XXXX store where this card has been used. XXXX case # XXXX ( I have NEVER used this card anywhere and card statements confirm this ). 
*XX/XX/XXXX - I filed police report w/ DC Police , file # XXXX. 
*XX/XX/XXXX - I called MasterCard.They can't do anything - in SunTrust hands. 
My next step will be to contact the DC Attorney General 's office. 

I don't know what else to do or how to use the police report to support my case. I'm at wit 's end and out of more than {$1000.00} which means a great deal to me. I am retired and live on SS and savings. I have banked w/ ST since XX/XX/XXXX and have 2 different accounts there including a non-profit for people w/ disabilities that has more than {$70000.00} in it and I have never bought a gift card for any amount at a XXXX. 
I'll appreciate any help or advice you can provide.

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 2019-01-08
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/18 a check for {$400.00} cleared my checking acct that was written for my credit card payment. The payment was never posted to my credit card and never refunded to my checking account. Ive called my bank 3 times and visited 2 different branches in person and have yet to get resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a letter from American Express that my application for Hilton Honors American express card needs more info to complete the application. I Have never for such a card although I do have and use an American Express credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: NV
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 FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BTH Management
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am showing on my XXXX account that I owe XXXX to a company and placed in collections with a company called Plaza Services, LLC..It shows the account was opened on XXXX.I have never or ever have I authorize an account from this place XXXX XXXX By XXXX XXXXIt is not even showing that I made an inquiry such as this for that amount with this place.I called and had XXXX put in a dispute on my behalf..I am requesting that this company provide the paperwork that showed I applied and signed off on this loan, the address that its associated with loan.Any letters that were sent, showing that they tried to contact me in reference to this loan.My identity has been compromised and stolen.I have put a freeze on my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Balance : {$2700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XX/XX/2023.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX Balance : {$1200.00} ; 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