BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm in a repayment plan that accrues interst daily of XXXX dollars that never brings down my principal balance. I make XXXX dollars payments monthly but the loan provider applies like XXXX dollars towards the interest and XXXX dollars towards the principal. But then with the accrued interest of XXXX dollars a day brings the principal right back up. I made XXXX dollars in payments in the last year and Navient has taken XXXX dollars in interest already. I'm in a 10 year repayment plan the original balance was XXXX and after a year of payments on time it's just at XXXX If I keep up with payment plan I would end up paying back triple of what I borrowed. I called Navient to discuss what other repayment options I have. They said I can't make any changes that's the repayment plan I chose. I tried to explain that the school that I took the loan out for didn't tell me that my repayment will require me to pay back triple the amount. I feel that I was deceived by both the school and the loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPT OF ED/XXXX  XXXX inaccurate DEPT OF ED/XXXX  XXXX inaccurate XXXX  XXXX inaccurate US DEPT OF ED/XXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF ED/XXXX XXXX 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 explanation
Consumer complaint received 2020-06-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Prestige was included in my bankruptcy # XXXX and discharged in 2017. Prestige is currently updating and reporting every month. This is a violation of the Bankruptcy Law Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: OH
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:
OnXX/XX/XXXX I received an alert that XXXX XXXX XXXX requested a copy of my credit report. I also received another alert that Equifax Mortgage Solutions also requested a copy of my credit file. On XX/XX/XXXX I received a letter in the mail from XXXX titled : Notice to Home Applicant, with details of my credit report. I have not applied for a home loan and I did not authorize either company to pull my credit. I did not speak to anyone from either company, neither did I fill out a credit application for a home loan. Equifax Mortgage Solutions said I needed to speak to XXXX, I have not been able to reach anyone at XXXX after several attempts, I even left a review in hopes that someone would reach out to me. I also called XXXX and they stated I needed to contact the company to file a dispute but I am unable to connect with anyone from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: NY
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 previously notified Experian that I am a victim of identity theft and their response is " The company needs authorization from you to proceed with your complaint. 
. The company has let us know that it needs authorization from you to proceed ''. 

I have given authorization and supplied all documentation to support my claim. I XXXX XXXX give Experian my authorization to proceed with my claim of identity theft.

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 2020-08-20
Company: Experian Information Solutions Inc.
State: SC
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX {, XXXX XXXX XXXX, XXXX XXXX . I have contacted the FTC and my local police and I am doing this on my own behalf. XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX   XXXX These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2021-07-16
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
An online gambling site XXXX has charged my card over $ XXXX. In the state of California, online gambling slots gambling is not legal, I made a dispute and was denied. How can an online gambling company be legally allowed to charge credit cards in states that online gambling is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX my bank account was charged XXXX as a bank levy for a debt that is not mine. It turned out to be my wifes old bill from 20 years ago even before we met. Also, the income I have going into that account is solely mine and from XXXX only, I am in the process of fighting this but any help would be appreciated, I also want my money back. 
In regards to the debt, I cant say whether its owed or not, its 20 years old and we have never received any communication regarding the debt what so ever. It is not on our credit reports and the supposed original creditor has never said anything about it for 20 years, and we`ve been using them the whole time? Please help 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 2018-02-02
Company: NAVY FEDERAL CREDIT UNION
State: LA
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:
My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. Navy Federal CR UN was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to Navy Federal several times about my business account in which Navy Federal charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by Navy Federal to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im in the XXXX and my main hospital in my location is XXXX XXXX XXXX base. Being that I was in XXXX XXXX I couldnt make it to the hospital in time so I needed to go to XXXX XXXX XXXX on XX/XX/XXXX. I called the ambulance and was sent to the hospital. XXXX, the military medical insurance paid the hospital in sufficient time and not the ambulance because they did not send them the signed documentation for correction to be paid. However, it was eventually fixed and they received their payment, roughly 3 days before the charges appeared on my credit which has been since XXXX. I contacted the community ambulance and they said that should not have happened because my bill was paid and they would contact the debt collector to remove the debt which has been over a month. I tried to dispute it myself and I have proof that it was paid and it should not have been on my credit to begin with.

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 2021-05-29
Company: Kriya Capital, LLC
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:
After reviewing my credit report per XXXX, XXXX  and XXXX. A degoratory mark was placed on my credit reports..After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The person who scammed my XXXX daughter out of XXXX dollars : Sent to XXXX email : XXXX transaction Number : XXXX sent on XXXX XXXX XX/XX/XXXXXXXX was for XXXX XXXX concert tickets. 

I have contacted Zelle directly - said they could do NOTHING to get money back. 
That answer sounded absurd to me, so I contacted my bank. It turns out they can file a complaint with Zelle- so I did that. I was told to wait until Friday ( XXXX XXXX ) giving their dept. time to look into the matter and that I needed to call them... so I did. I was told if they got the money back that it would show in my daughter 's acct. - it hasn't. Asked the man if there were any notes to show that someone had actually tried to get the money back - there were not. 
To me this seems fairly simple, Zelle should contact the other bank involved, with the info. they have, and get my child 's money back, stopping a now-known scammer before they do it again. If Zelle can not provide this most basic service to stop scammers, then banks should not be offering their services to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: MI
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:
CFPB team please review Citibank issued Credit card ( Citi Premier Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/2018 It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant I have used. My annual fees was {$95.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi PremierSM Card Ending with XXXX XXXX Points that were earned for purchases I had made until XX/XX/2018. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/2018. There was no response received. I had requested XXXX points on my account to be redeemed for Homedepot Gift Cards of {$750.00} or Cash Card. 
+ {$180.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 5 years paying annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, 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 2018-06-22
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS COLLECTOR CALLS AT ALL HOURS AND HAS NOW SENT COLLECTION NOTICES TO MY HOME. THIS DEBT SHOULD NOT BE COLLECTED ON AS IT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTION

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 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2018-12-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX   account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated 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 explanation
Consumer complaint received 2020-07-29
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sunrise credit services has called me at least 3 times a day from various numbers since XXXX. I answered and asked them to send me a letter of what this debt is they are calling for a they refuse to send any letter verifying the debt. I have also requested multiple times for a cease on calls. This has not stopped and if anything has become worst. The company calls from multiple different numbers and request that you verify multiple pieces of information without ever stating they are calling for a debt. This company is harassing without allowing you to verify the debt at all. attached are the multiple numbers and the amount of calls I have received from them

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 2020-07-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Wakefield and Associates by phone and an email was send on XX/XX/2020 and XX/XX/2020 to XXXX XXXX at XXXX The following statement was provided. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at a company you represent for collection. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that Wakefield and Associates absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, XXXX Police Report number XXXX Information, and Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
______________________________________________________________ At the moment no response has been received from the debt collector agency but the charges keep getting updated in multiple credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an inquiry from XXXX XXXX on Equifax report. I contacted Equifax and informed them that an inquiry was made without knowledge and authorization and I did not do it nor did I approve of it therefore it must be a fraudulent inquiry. They told me to contact XXXX and inform them about the matter. After contacting XXXX 's they told me there is nothing they can do if no account was opened. I then contacted Equifax back to have it removed but they refuse to remove it telling me it's a factual inquiry. I want this fraudulent unauthorised inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After XXXX i logged into to XXXX XXXX and noticed on my credit report 3 new hard inquiries on my transunion credit report from XXXX and 1 inquire on XX/XX/XXXX that i have no knowledge of i called transunion to dispute the claim and i was notified i had to make a ftc report along with sending in documents. 

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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