BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: VA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-06-17
Company: EQUIFAX, INC.
State: PA
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:
I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account : CREDENCE RESOURCE MANAGEMENT Amount : {$620.00} Date : XX/XX/2019 Discrepancy : Paid prior to collection. Paid In full

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage ( LOAN # XXXX ) told me that my escrow was short by {$3700.00} which I paid over the phone. I submitted my XXXX Veterans Property Exemption ( {$120000.00} ) prior to the property taxes being due, which also lowered my monthly mortgage payment. This mortgage company received the corrected tax bill of {$2300.00} and paid the old bill of {$3000.00} ( overpaid by {$700.00} ) because no one verified the bill even though they knew that I had been approved for the tax exemption XXXX XXXX Veteran ). I made the XX/XX/XXXX payment of {$1200.00} and I received letters that my mortgage payment for XX/XX/XXXX was short by {$300.00}, even though I made the full payment and have receipts for a full payment. This company continued to send me delinquency notices and stated in a letter that they turned me into the credit bureaus. After disputing that I did n't owe the additional amount and they discovered that the error was on their part, they send me a letter stating that they would adjust my account. I received another statement today ( XXXX XXXX 2016 ) and my account has not been adjusted. They send me a letter stating that I was in default of my loan. I have done my own research on this company and have found that they have done this same thing to other customers. This company continues to send erroneous collection letters to me and other customers stating that they are behind in their loan payments and that they are in default. I paid {$3700.00} and received an exemption of {$120000.00}, they overpaid my property taxes by {$700.00}, how would I owe anything????? Please make this company correct their error and send updates to my account to me and correct the erroneous credit reporting that they provided to the credit agencies. I have owned my home for 7 years and have never been late. I filed a complaint with the CA Dept of Business Oversight ( complaint # that my payment can now be lowered monthly to {$1300.00}. I was also informed that I would be due a refund of about {$1200.00}. As soon as the assessor made their corrections to the new lower property tax bill, I faxed to your office for your company to make the corrections. Each time I speak to someone in their company, they act like they do n't know what I am talking about. I have send letters and emails to this company demanding that they correct their mistake, it is damaging my credit Please make them refund the additional monies that they sent out to the XXXX Tax Assessors Office so that I may receive my refund. Their mistake has caused me financial hardship, because they made me pay money that I did n't owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Ad Astra Recovery Services Inc
State: VA
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 have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name XXXX XXXX XXXX XXXX of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad Astra Recovery Service, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2022-02-21
Company: Genesis FS Card Services, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My INDIGO card : Logged in online. Card - last XXXX of card number displayed. I was recognized. Fine. Since their " new '' website and " service '' I CAN NO LONGER : Get My Balance. 
Make a Payment. 
See my Statement. 
NOTHING. 

If I can not make a payment or at least the Minimum Payment, I'll be charged a : ate Payment Fee which will go on my Credit Reports who WILL NOT BELIEVE THAT THE CREDIT CARD COMPANY WOULDN'T LET ME MAKE A PAYMENT. 

Select any one of these options and all I get is a BLANK SCREEN. Called the company and stated my account number to them in the phone call. THEY COLD N'T FIND MY ACCOUNT. NUMBER DOESN'T EXIST. 
Tried to call their NEW customer service number and was put on wait for over an hour. 
This company has become worse and worse over time. A year ago I had no problems. That's all changed today. 

I WANT THIS COMPANY SHUT DOWN! 

I'll CLOSE MY ACCOUNT then deal with the worthless credit reporting companies later on. What a country, huh?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: ADP Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I reported a list card on XX/XX/XXXX and was processed a replacement to arrive within 7 to 10 business days. I did not receive this card and then processed another for XXXX to be delivered within 2 to 3 business days after XX/XX/XXXX. I have chatted with the customer service reps multiple times and the continue to tell me to wait and that a tracking number has not been processed by the couriers yet. The charges appear as administrative debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: 360 MORTGAGE GROUP LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Step 1 : What is this complaint about? 
According to the reports provided to the Credit Bureau by 360 Mortgage Group, it shows eight ( 8 ) months of being late 30+ days and one ( 1 ) month of being late 60+ days. See below for the months/years and attached image ( Credit History - 360 Mortgage ). However, I have bank statements from XXXX XXXX XXXX XXXX ( XXXX ) showing proof of payment, and I've attempted on numerous times to work with the company with no success. I even provided the bank statements ( per their request ) to show proof of payments. For the XX/XX/XXXX late payment report, the house was sold that same month. 

Months/Years - 30+ days late XX/XX/XXXX XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX XX/XX/XXXX - proof in bank statements XXXX proof in bank statements XX/XX/XXXX Months/Years - 60+ days late XX/XX/XXXX - house was sold, see Seller 's Final Settlement Statement Step 2 : What type of problem are you having? 
The company has refused to fix the late payment submittals to the Credit Bureau so my credit can be adjusted. 

Step 3 : What happened? 
Unsure what happen on 360 Mortgage side of the house, but I set my payments up to be automatic issued by XXXX. 

Step 4 : What company is this complaint about? 
360 Mortgage Group Step 5 : Who are the people involved? 

Customer Service and XXXX XXXX. 

Attachments 360 Mortgage Late Payment Issues 360 Mortgage Payments Credit History - 360 Mortgage Sellers Statement_CDF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I Purchased a new vehicle with SunTrust bank in XXXX of XXXX. Apparently Suntrust was incorporated into Truist Bank at some point but I was never notified of a pending change. I selected SunTrust as a lender based on their available services and online interface. 

I was never notified that my loan would be managed by a new bank or a new website would be required to login to. I strictly bank online, have never been to a branch, yet all my statements and tax/interest information is no longer available at the old website ( Suntrust no longer able to be accessed ) nor at the new website ( Truist ). 

Truist bank 's only answer is that the " SunTrust statements did not carry over '' and I have no proof of interest paid in Tax Year XXXX for my accounting.

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 2017-07-19
Company: Aspen National Financial, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Whom this may concern I continue to try to work with this company but they continue to report incorrect information dispite letters, call and complaints. They also seem to change my balance by 1 $ XXXX every week by decreasing and increasing the balance to reflect activity on the account. I have contacted the company several times only sending back deeds not signed by me. I have only signed up for one timeshare in my life and that was in XXXX XXXX. I also sent police reports to show this debt was not mine. I 'm currently trying to buy a home for my family and this collection is really reflecting negatively on my ability to do so. I would like the company to delete this collection on all agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I stopped college because of financial issues. I had low income for many years and XXXX XXXX just kept deferring it, but intrest kept occruing. I paid off an on. When I first stopped school I think I owed XXXX, which ballooned to XXXX over the course. I had some medical issues later on and I just kept deferring. I think my loan balance isXXXX from my original XXXX. I am on ICR plan paying XXXX/month and in XXXX will owe almost XXXX. At which point I think they will forgive that amount but saddle me with an IRS income tax bill of approx XXXX? I tried to get answers from them about why I owe XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent a dispute letter to TransUnion for them to delete a Bankruptcy XXXX. On XX/XX/XXXX I received a response from TransUnion stating that the item was VERIFIED. I then sent a letter of validation on XX/XX/XXXX for which TransUnion provided a response of VERIFIED by XX/XX/XXXX. Because I did not receive any documentation about how they validated this record, I sent a request for the investigative material on XX/XX/XXXX, and once again I received a response by XX/XX/XXXX with just a piece of document that said VERIFIED without any of the requested investigative material. Thinking that there was a confusion I sent one letter on XX/XX/XXXX requesting, once again a description of the procedure used to determine the accuracy and completeness of the information, for which they replied on XX/XX/XXXX stating that they recently completed an investigation and that the data furnisher verified the information on my credit file. I still have not received the investigative material, and clarification of who is this data furnisher. 
I now would like to ask for the 4th time all investigative material concerning this bankruptcy. I would like to have copies of those documents instead of having TransUnion initiate another dispute and getting a repetitive VERIFIED answer. 
Attached are all the letters I sent and their responses by date as well as a letter from the Bankruptcy court stating that they do not verify any information with the credit bureaus. Also a picture of my report which shows that the only credit bureau that has this unverified bankruptcy is TransUnion. 
Looking forward to receiving the investigative material at your earliest convenience. 
Thanks!

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 2022-02-21
Company: Atlantic Recovery Solutions LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Atlantic Recovery Services have been attempting to contact me since XX/XX/XXXX. On XX/XX/2022 at XXXX XXXX  my local time ( an FDCPA violation in of itself ). After calling them back at a reasonable hour I told them to cease telephone communication and to use recorded, written correspondence if they had any need to contact me further and requested a debt validation letter at that time. Since then I have received multiple calls from them, using different phone numbers with area codes from my local area to try and trick me into answering the phone. I have since called and left messages, as well as used their online website to request they cease and desist telephone communication. Today I finally was able to speak to someone, and told them again to stop calling me. I was treated rudely, yelled at, hung up on, and transferred into XXXX several times before finally speaking to a supervisor who claimed the company had only received my request for cease and desist today, and that I had not requested a validation letter, and the address I had on file that they verified to send me the letter to was an address that I have never lived at ( despite them having recorded conversations with me telling them to mail me the letter and giving them the proper address ). At this point I do not believe the debt is actually mine, and that this company is either incompetent or maliciously attempting to illegally collect debt. It is only a matter of time before citizens who do not know their rights as well as I do are preyed upon and have debts that are not theirs illegally collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX I got a copy of my credit report and paid off each item listed. I received another report last month XXXX. Listed on the new report is a debt from XXXX. TransUnion says its verified and will not remove it. The reporting agency, XXXX XXXX XXXX confirmed it was a debt from XXXX that they bought in XXXX. They also stated they sent notices to my old address which I never received.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times. 

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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 2018-04-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT ANOTHER RECOVERY COMPANY HAS ALREADY COLLECTED.I DO NOT HAVE A CONTRACT WITH THIS COMPANY

Company response to consumer: Closed with non-monetary relief