BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this is in regard to account XXXX. I reviewed my credit report and noticed that there was a new collection account from this company that appeared. I immediately sent them a letter for validation of this debt on XX/XX/2022. I received their response and they sent me a copy of statements which is NOT validation. I sent another letter out dated XX/XX/2022 asking for specific information to validate the debt which includes a copy of the contract bearing my signature. I received their response after that which included another copy of statements. In my letter I specifically stated " If you can't provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. '' I filed a XXXX complaint which XXXX received on XX/XX/2022 and they stated that sent me copies of the billing statement from XXXX XXXX as validation of the debt. This is NOT considered validation of the debt as anybody can print out some statements and mail them to me. Since this company is unable to properly validate this debt I am demanding deletion of this debt from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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:
i have tried multiple times to have incorrect information removed from my account. Instead of removing incorrect information, Equifax keeps changing the status and not removing my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint said that my property is XXXX. That is not factually accurate because I still have title to my property meaning I own property. There has been no deed or title transfer from the court. Shellpoint can not provide any document that shows I do not own my property currently. Florida is a judicial state and a title state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank XXXX XXXX XXXX ) website and all customer service options have been offline for over a week and they are not providing any information at all about how they will handle customers being unable to make payments. Their phone lines are not accepting calls and they say customer service agents can not apply payments or even see account details. My payment is due tomorrow and I have been trying over a week to access my account, which is unavailable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would want to use this opportunity to convey my sincere worry and annoyance over the recent identification of bogus accounts on my credit report. These accounts are the consequence of identity theft, and even after I've made multiple attempts to notify you and address this problem, your company continues to take a very long time to respond. I'm sending you this letter to ask for your quick help getting this fixed. 
I implore you to look into these accounts as soon as possible, thoroughly, and take prompt action to get them removed from my credit report. After the investigation is finished, I anticipate receiving written confirmation of the removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been a very major reporting error as the item listed is entirely erroneous and incomplete. Kindly remove this false information and send updated credit profiles to any creditors that have received copies in the last two years for job purposes, or during the last six months for creditors.

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 2022-06-27
Company: AES/PHEAA
State: DC
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:
Hi, in resolution of my complaint # XXXX, XXXX agreed with my regulator to count my XX/XX/XXXX payment towards PSLF. However, they have refused to honor that agreement. I have records attached. Also, they have since refused to honor the limited waiver program to count my XXXX and XX/XX/XXXX payments towards PSLF. I've attached proof that those payments should be counted as well. They also haven't updated my count to include my most recent employer certification. To help you navigate the attachments, I'm attaching some additional XXXX records ( my loans were transferred from XXXX to Fedloan at the end of XXXX XXXX ). Please help to rectify my account/PSLF tracking before my loans are transferred next month and before the limited waiver program expires. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Citicard added a user to my account without consent or collecting that person 's personal information, then sent them a new credit card in my name to activate and use. The person let me know before activating.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: IL
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:
inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX date of inquiry XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/202XXXX XXXX  XXXX XX/XX/2022 XX/XX/20XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .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 2022-06-27
Company: EQUIFAX, INC.
State: IL
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:
inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX Credit Card with Comenity Bank. For the past week the Comenity site has been down due to 'system updates '. I have had no way of accessing my account, viewing my balace or making payments. Trying to reach out to customer support has proved fruitless. Comenity never contacted me, or anyone else from what I can tell, to let us know there would be sustem updates and they are not providing answers or solutions or a date when the site will be back up. This has been beyond frustrating and the only information I could find is that they seem to have been bought out by another company, but I was not made aware of this change. This company 's practices are deceptive and predatory. My only hope is that the site will be up again soon so that I can pay off the balance and close out the account. I do not need the kind of stress this company is offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX. Please delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX Date Opened XX/XX/2022 The company has not taken any actions what so ever.

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 2023-09-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX, XXXX, XXXX XXXX, XXXX, LA XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
MIDLAND CREDIT MANAGEMENT is reporting the wrong amount due I had a credit limit of XXXX. Also they are changing the reported date to current year instead of the original date which that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CURO Intermediate Holdings
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My credit report shows a XX/XX/2022 write off of a 2 year 6 month old Speedy Cash debt of {$600.00}. I have never used Speedy Cash, do not know what Speedy Cash is. I have never received a notice of any kind from Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am move out of new York almost XXXX. And I do have chase bank XXXX at new York. also on XX/XX/XXXX I ask my dad help me deposit 2000 dollars to my Checking account. Then XX/XX/XXXX I want to transfer 2000 dollars to my XXXX XXXX bank of ND. I found out someone withdraw {$900.00} twice times without my ID and Bank PIN in the New York Chase bank branch

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Atlanticus Services Corporation
State: GA
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:
I am requesting the balance of XXXX to be sent to me in a check as this is the credit balance on my account and under the Under the Comment for 1026.21 - Treatment of Credit Balances and TILA Act i have the right as a consumer to request this refund credit to be mailed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FOR XXXX AND XXXX XXXX XXXX have all violated my rights. I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile. 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 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 2022-06-27
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
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, Midland Credit Management has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 

15 U.S.C 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unauthorized inquiries XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 asked them to remove the unrecognized inquiries but i was ignored.

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 2022-11-29
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX Account # XXXX Property addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX In XXXX my wife and I decided to get an apartment so we could be closer to work. XXXX XXXX XXXX was our electric provider and XXXX  was the cable provider for this place rented in XXXX of XXXX. 

We own XXXX houses in the XXXX area XXXX bought in XXXX another in XXXX have attached mortgage statements and water bills for both proving these were current addresses. 

Throughout the week we would bounce from house to house or apartment. Living at all XXXX. 

As XXXX went on we found the apartment at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX which XXXX XXXX XXXX was our electric provider. Was just too expensive to maintain. 

We worked out a move early with the apartment complex and our move out date was XXXX. 

I mailed documentation to all our service providers on XX/XX/XXXX including move out statements. 

I just learned I was charged an early cancellation fee from XXXX XXXX XXXX that was incorrect. 

I called and settled on my last bill and was told by representatives that they would put notes and remove the early cancellation fee as well as remove this reporting from my credit report. 

Please send documentation that is false reporting is removed immediately and send too XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Tx 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 2022-06-27
Company: DISCOVER BANK
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday, XX/XX/XXXX I received a notification that my account was frozen and I needed to call the customer service number to get my account unlocked. I did this, and after an hour and 45 minutes of sitting on hold I was connected with a representative, and the problem was resolved. Then on Friday, XX/XX/XXXX I received another notification that my account was frozen and to call the same customer service number. I tried to call that number two times and both times I was disconnected after being on hold for over 3 hours. I tried to call that number again on Saturday, XX/XX/XXXX 4 different times and still no one would answer my call. I called again on Sunday, XX/XX/XXXX 8 times and never got connected to anyone. I finally called today, Monday, XX/XX/XXXX 3 times, after being disconnected twice for the hold be over 3 hours and the representative tells me that Discover decided to close my account without notifying me and would not give me a reason on the phone. I now have to wait 7-10 business days for a letter with the explanation and 60 days to get my money back that was already deposited into that account.

Company response to consumer: Closed with explanation