BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I personally wrote a certified letter to Wells Fargo Dealer Services, I mailed a debt validation letter, requesting VALID proof that I owe { {$6500.00} } .On XX/XX/XXXX, I received an itemized letter with a list of dollar amount, attached is verification of the debt ''. Wells Fargo Dealer Services, is saying that I was a collections/charge off. Im disputing delinquent information that Wells Fargo Dealer Services has reported on my Credit Report, please note this account is paid-off in fullTherefore I am filing a dispute and requesting to have this collection account deleted from my credit report. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called citi bank regarding my XXXX credit card XXXX on XX/XX/XXXX. This card can be used anywhere but the rewards are redeemable for XXXX purchases. Apparently the XXXX credit card statement which we didnt receive had a {$580.00} XXXX reward certificate that expired XX/XX/XXXX. Their limited attempts to notify us involved sending emails which went to my wife ( XXXX XXXX ) spam folder. The representatives on the XXXX number are telling me there is nothing they can do and there isnt anyone that can reissue the {$580.00} certificate. If we had lost a certificate I could understand this response but we feel that our {$580.00} is being withheld regardless of the fact that we didnt receive the statement containing the certificate through the mail.

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 2021-02-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX off my report it over 7 years old and need off now

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 2021-03-09
Company: Experian Information Solutions Inc.
State: OR
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:
Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, XXXX, and Experian and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

XXXX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX Via XXXX XXXX XX/XX/2019 EXPERIAN : XXXX CREDIT/XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX Finance XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit 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 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent letters to the three credit agencies ( XXXX, XXXX, and Transunion ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing 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 2021-03-24
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what this debt is. I do not owe Midland Credit or XXXX XX/XX/XXXX. They have not reached out to me in the past. This is not my debt and I feel this should not be on my account. I do not understand why this is being reported when I pay all of my bills on time. Please have this removed from XX/XX/XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent a letter asking XXXX to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit 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 2020-02-06
Company: Mercedes Benz Financial Services
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Looking for a car. Sat down and pick a car I liked. They told my I had the credit to go for it. So I did. Coming back there telling me that I needed a co-signer that same day. Come to find out I decline the offer n walked away .. every since then Ive still been charged and hitting my credit almost 80 points. My score was XXXX and now its XXXX .but applying for credit it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX granted me a deferment/ forbearance on my student loan for XX/XX/2020 but they also placed the late on my credit 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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY

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 2020-12-23
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:
Hello, I am would like to inform you that I do not recognize these accounts. Suddenly they appeared in one Bureau while other bureaus do not report these unknown accounts. I believe I became a victim of identity theft, otherwise I can not explain their existence in my report. I have never signed any agreements or contracts with these companies. 
Please remove these accounts from my credit 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 2018-01-21
Company: Experian Information Solutions 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:
I started to monitor my credit with Experian.com and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry.

XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX ( XXXX XXXX,2017 ) XXXX XXXX ( XXXX XXXX,2017 ) Experian XXXX XXXX XXXX ( XXXX XXXX,2017 ) I spoke to a customer service representative from Experian and XXXX so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not help me.

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 2018-01-21
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as names on the bill that is not mine. I provided a copy of my written contract and details of their errors and received a response from XXXX XXXX in writing on XX/XX/XXXX clearly stating that everything is correct. They did n't fix anything and instead stated that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract or correct the billing errors, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract or correcting the bill and I immediate cancelled prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with Credence. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2022-08-10
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. I am also requesting " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to this debt collector.

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 2020-02-06
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In attempt to pay the debt in full, i contacted the Merchant Adjustment Bureau. When reached, they informed me that there was no longer any debt owed to them. The debt was not in their hands. After this was confirmed i had them removed from my credit report with XXXX  but they were not taken off of XXXX. It was not and is not there debt, during the attempt to make a payment. They do not need to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion XXXX XXXX- XX-XX-2016 XXXX XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. XXXX and Transunion have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.

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 2018-01-21
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX i was served bank garnishment papers on collecting a XXXX balance on a private student loan. Back in XX/XX/XXXX and XX/XX/XXXX I reached out to my credit report bureau and was told they couldn't locate the debt or find any contact information for the original lender. I then found an artical that XXXX XXXX XXXX XXXX trust was being sued and while under investigation they aren't legally allowed to collect on any of the accounts due to lack of records. I was told by the credit bureau XXXX that it would be removed and was after they completed there investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA Savings Bank has placed restrictions on my account which will not allow me to transfer funds FROM my account to another institution and they are placing 7 day holds on funds which they have received that were transferred out of another account. 
They are placing holds on my account and returning checks as insufficient funds ( NSF ) after they have the funds which were transferred from another financial institution and charging me {$29.00} for each NSF. 
On XX/XX/2021, using the USAA app, I transferred funds from my linked account with XXXX XXXX to my USAA checking account. The funds were withdrawn from XXXX XXXX on XX/XX/2021, as of XX/XX/2021 USAA still shows a hold on the funds and has returned checks ( NSF 'd ) which were written from my USAA checking account. 
This has occurred on XXXX different occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently checked my credit on XXXX XXXX  and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX and other from XXXX neither of which I have ever done business 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 2020-02-06
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:
I recently checked my credit on XXXX XXXX  and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX and other from XXXX neither of which I have ever done business 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 non-monetary relief
Consumer complaint received 2018-01-21
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent in verification letters on XX/XX/2017 to XXXX and Experian asking them to verify the negative items or remove them, and they have done neither to my report.Have not recieved my report from XXXX that I asked for during this time.

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