BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credence Resources Management thank you for your input but I requested verification from XXXX XXXX XXXX But sense you did it your documentation with signatures seem to be a joke { CFPB please blow these signatures up you will see that they are not the same myself nor my wife write like that. { If this is a contract Where it the SSI number, { My drivers license, or for that matter any thing } these documents is not a contract. so Credence Res how about a validation from you this account XXXX XXXX XXXX you supplied verification, { now validation } { 1 } who you spoke to name and contact information, what was said } both } parties, { any associates you may have spoke to, there name and contact information, times and dates, any coworkers you may have talked to about this account their names and contact information what was said both parties, { the original creditors } address and contact information Credence verified means make sure or demonstrate that { something is true or justified } LAW swears to or support { a statement by affidavit } VALIDATION means the action of checking or proving the validity or accuracy of something CFPB I have a right to is information { reviewing this made up signature documents that are not contract is a crime } you should have the information at hand because you verified right 30 days by law to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a child support card. The card number was stolen and {$3000.00} in multiple charges made out of state were done on the card. I have attempted to call the company to get charges reversed no luck. The company has had me on hold for over a total of 5 hours over the past few days and all I get is put on hold again until it either hangs up or I can't wait anymore. This a Reg E issue and they should be refunding me the money on my card, I need this to support my family. This process should not be this difficult you can find many stories online and the state of NJ is doing nothing to stop this horrible customer service and violations of Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
rude, male demands I bring my account up to date. states I moved and have a previous account. told the XXXX i did not have a previous account in XX/XX/XXXX and i have the same account I did -and it was opened and activated this year only XX/XX/XXXX. he decided he was going to talk over me and harass me. told him to XXXXXXXX XXXX and hung up and blocked his numbers. XXXX and XXXX i have contacted XXXX XXXX who stated my account is in good standing and no new account was created. my account is paid and up to date.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
CFPB PLEAS RETAIN COPY OF THIS COMPLAINT DISPUTE. THIS PARTICULAR DISPUTE DATED XX/XX/2023, WAS MAILED TO TRANS UNION AND WAS SIGNED AND RECEIVED ON XX/XX/2023 BY TRANS UNION EMPLOYEES. INSTEAD OF THE DISPUTE BEING INVESTIGATED THEY REPLY BY MAILED WITH A LETTER DATED XX/XX/2023 THAT THE INVESTIGATION WAS NOT UNDERTAKEN BECAUSE THEY DID'T BELIEVE IT CAME FROM ME. I ALONG WITH THAT DISPUTE I INCLUDED ALL MY VERIFICATION DOCUMENTS AND THEY REPLIED BY TO ME USING MY ADDRESS. SO THE EXCUSE POSE BY TRANS UION DOES NOT MAKE ANY SINCE AND IS A CLEAR VIOLATION OF 15 USC 1681i. SO NOW IM GOING TO RE-SUBMIT THAT SAME DISPUTE THROUGH MY PERSONAL CFPB DISPUTE PORTAL THAS HAS BEEN VERIFIED BY THIS REGULATORY AGENCY. ATTAACHE TO THE FIRST PAGE IS A AFFIDAVIT OF IDENTITY SO THER IS NOW NO QUESTION WHERE THE DISPUTE ORIGINATED FROM. THIS DISPUTE IS SPECIFICALLY FACTUALLY BASED AND TRANS UNION HAS NEVEER INVESTIGATION THIS FACTUAL INACCURACY BEFORE AND THERE IS EXHIBITS ATTACHED TO THE DISPUTE SHOWING CLEARLY ALL THE INACCURACIES BEING REPORTED BY TRANS UNION 'S BUSINESS VENDOR PER TRANS UNIONS REQUEST WITH OUT MY EXPRESS WRITTEN CONSENT OR PERMISSION. NOW THIS BUSINESS PARTNER DOCUMENTED THIER FINDINGS THAT THEY CAN NOT VERIFY THE ACCURACY. NOW TRANS UNION MY SAY IT WAS VERIFIED BY THE VENDOR BUT AS YOU WILL SEE THAT WILL BE A LIE BECAUSE THE BUSINESS VENDOR DOCUMENTED THEY WERE NOT ABLE TO VERIFY ITEM I NEED THE CFPB TO SEE THAT THIS RE INVESTIGATION FINALLY TAKES PLACE AS I WAS TOLD BY TRANS UNION PREVIOUSLY THAT WHEN I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT ALONG WITH THE DISPUTE AND I'M DOING JUST THAT

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 2018-02-12
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: Old information reappears or never goes away

Complaint:
I tried disputing this two years ago and the address is incorrect. It does not belong on my profile. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 2020-11-25
Company: CITIBANK, N.A.
State: PA
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:
On XXXX XXXX, 2019, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  XXXX The report does not include information about the creditor.

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 2018-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
USAA owes me {$290.00} for overpayment on my car loan. They sent a check last year without notice and it expired. For 5 weeks now, Ive called in an attempt to collect my money. For 3 weeks in a row they told me the check was sent out and it hasnt been. I need my money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: GA
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX - XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX on XX/XX/2020 ( Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX-XX/XX/XXXX I was supposed to recieve XXXX on my baseball scholarship. Balance was XXXX at XXXX university. So the balance was supposed to be lower to XXXX. XXXX sent it to collection now the balance is XXXX which is the wrong a month overall. I have had lawyers and congress woman XXXX XXXX send letter to them but they have no responded. Due to lack of compliance of my dispute I would like that debt to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple disputes to the credit bureaus and USAA, however, this inaccurate account ( Account # XXXX ) continues to report on my XXXX  and XXXX credit reports. USAA and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, No. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. USAA and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. USAA and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my XXXX and XXXX  credit reports. 

Additionally, USAA and XXXX  are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my XXXX  credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my USAA pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my XXXX  and XXXX  credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made payments to XXXX XXXX, mailed in XXXX, XXXX, XXXX, XXXX. Checks were cashed by XXXX  XXXX XXXX XXXX XXXX, on XX/XX/18, XX/XX/18, and XX/XX/18. XX/XX/2018, Navient sent a letter stating my load was purchased from XXXX XXXX. I called to ask why the three checks were not credited against my loan. They claimed not to have received funds, and suggested I call XXXX XXXX, who then claimed that the loan was transferred to Navient in XX/XX/2018. I went back to Navient. They wanted a copy of my bank account transactions to provide proof of payment. Instead I wrote a letter with copies of the completed transactions. I waited and called again XX/XX/18. I was told I had called too soon. To wait 10 days and call again. Navient then claimed they had not received the documentation and to send a copy of my bank statement. After several contacts with Navient, I went to my banker at XXXX XXXX, XXXX, WI. She sent a certified letter, in a fax, to Navient declaring I had paid them. This was suggested by Navient. I called three days later. Navient had not received her fax, even tho the number was provided by Navient. I called my banker, she sent the fax again. This time when I called, I was told the document was not acceptable. Navient insisted upon a bank statement. OK, back to the bank who suggested she would black out all info on bank statement and fax. The first time, this was not received by Navient - again, they provided the fax number. Navient also claimed documents were illegible The second time, Navient acknowledged the bankers document, but, I had to wait 14 days for the financial dept to act upon it. I called on day 14. I was told things were being processed, and action would take place either XX/XX/XXXX or XXXX. Today, I am back to Navient who again claimed they had not received payments but they had gone to XXXX XXXX. I was to again call XXXX XXXX. Having called XXXX XXXX in XXXX was not sufficient. I called the number Navient provided. It went back to Navient. I searched the web for XXXX XXXX  phone number. It also went back to Navient. However, website did say that XXXX XXXX was now XXXX XXXX. Called XXXX XXXX but they have no record of my account. XXXX XXXX did some tracking and told me that since my debt to XXXX XXXX was in default, it had been immed sent to Navient as a personal loan. In fact, I have never been in default with XXXX XXXX. However, I had just completed the requirements for Chapt XXXX and that has successfully been closed in XX/XX/2018. 
So, I am back to Navient who I have contacted 4 times already this month alone. XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I spoke with the company regarding ticket debt after the county the tickets were owed to forwarded me to them only to find out this debt was in place for over 2 years I was never contacted by mail or phone or given the chance to dispute after calling and confirming my address I still received no letter and was told they will be adding collection agency fees to the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was never given a Home Depot card! I talked to several agents about the situation with no luck of resolving the issue! I had to settle on a credit card that was never issued to me due to negative credit report effecting my credit!

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 2018-09-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I got a auto loan with wells fargo and everything was fine in the beginning then they starting charging me for insurance I already had.I sent them the info for my insurance several times it got fixed once and then they did it again. My car payment was XXXX they added XXXX a month extra and made my payments to high for me to pay.I tried  fixing it a million times and they wouldn't help me.They since have put my car as a bad charge off and have sent me no info about my car.They have charged me over 2000 car insurance that I have and have had also I don't even know how much in fees my loan should have been paid off by now and I still owe XXXX and they haven't sent me and thing to fix this problem.I feel I have been taken advantage of by wells fargo they have made sure and destroy my credit.

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 2018-09-20
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: Their investigation did not fix an error on your report

Complaint:
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX  ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my XXXX report, I have requested in writing twice now for XXXX to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account 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 2018-09-20
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: Their investigation did not fix an error on your report

Complaint:
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

Company response to consumer: Closed with explanation