BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-03
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XX/XX/XXXX Credence Resource Management frequently harassed me in attempt to collect an alleged phone bill debt I owed. I asked them to verify the debt, they ignored the dispute letters I sent and reasserted their claim I owed {$690.00} on my XXXX credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XX/XX/XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report derogatory information on my XXXX credit report. Given that Credence Resource Management acted in bad faith, and have not complied with federal and state laws, I told them I will seek damages against Credence Resource Management seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

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 2022-04-30
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this 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 2021-12-06
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got admission from the XXXX XXXX XXXX XXXX College of Law. I just found out that Williams and Fudge ( 1st ) made collections illegally and even made false report to credit bureaus to ruin law school student 's life totally. William and Fudge ( 1st ) obviously violated federal law and guideline, XXXX dollars small amount in the law schools ( XXXX, XXXX XXXX XXXX XXXX, XXXX law school and XXXX University law school ) and the medical  schools ( XXXX, XXXX etc ). I got traffic incident and according to consumer financial protection bureau case Complaint Number XXXX. XXXX XXXX failed to pay emergency fund to traffic accident 's victim XXXX XXXX and his children. Williams & Fudge did not exercise humanitarian relief for victim XXXX XXXX and his children. lt is XXXX hate discrimination to ruin XXXX XXXX life. XXXXXXXX XXXX failed to provide proper urgent payment to victims within reasonable time. I have visited Doctor of XXXX XXXX ( XXXX ) for treatments over months since this accident caused by XXXX XXXX of XXXX XXXX. Due to this incident, I could not pay XXXX dollars to the XXXX XXXX XXXX College of Law ( of XXXXXXXX  XXXX University ). Due to this, I am not able to get transcript and it is hard to register classes for my law degree program ( I study intellectual property laws and patent laws ). 

US Congress, Senate and US Federal government will investigate whether Williams & Fudge abused XXXX XXXX who is currently law school student.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reviewed my credit report and notice that there are accounts on my report that is not mine and not associated to me. I would like for the following reports that are not my accounts to be removed immediately ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX date opened XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$1000.00} account # 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 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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-10-24
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In a statement with the date XXXX XXXX, XXXX, i received a letter from the Financial Corporation of America. This is a collection company that is trying to collect funds for XXXX XXXX XXXX. This bill is for my XXXX XXXX XXXX step-daughter that does not live with us. She is a competent adult that we are not responsible for. I provide her insurance through my XXXX and that is the extent of my obligation for her. She saw this medical group on XXXX XXXX, XXXX and never paid her bill in the amount of {XXXX}. I did not know she went to the XXXX nor was I present for the visit. I did not sign any statement of financial responsibility for this visit. I called this company on XXXX XXXX, XXXX and informed representative XXXX that this was not my debt it was XXXX XXXX 's and they have billed me in error. He confirmed with his supervisor, XXXX, that they correct and allow to bill me. They stated that since i am the insurer they will hold me responsible and not take my name off of the bill making me responsible for the balance. I then conferenced in XXXX on the call and she agreed it was her responsibility and not mine. XXXX gave them her current address and phone number. I followed up the following day and talked with XXXX again who told me even though she gave them her information they will still leave my name on the bill. This does not seem legal to me. I am not responsible for her bills or debt she incurs as an adult. I have also reached out to XXXX XXXX XXXX to also see what can be done to remedy this situation. Please contact me if you need any further information from the XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear CFPB, I sent via USPS twice during the span of 60 days requesting every piece of information on my Credit file be investigated due to inaccurate information and questionable accounts on Transunion Credit report. ( Please see updated attached Credit Report ( s ) dated XX/XX/2022 ) Additionally I called Transunion at XXXX at least twice per week waiting 1to2 hours just for agents to pickup and then the phone would disconnect. I am reporting to CFPB due to the fact it feels like I am getting no where with Transunion, and they are failing to obey consumer rights and law. The FRCA says an " investigation '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. I feel Transunion does not care for people and they treat me bad and it is costing me bad credit and higher interest rates. I have researched Transunion and I see this situation I am going through is the very thing Transunion has been sued for in multiple lawsuits! It is not fair due to Transunion 's negligence and incompetence my credit score should be impacted negatively!! 
Transunion states : " Public Records : XXXX XXXX  XXXX, Reference Number XXXX ; Year of Birth XXXX, Employer ( s ) REAL ESTATES, XXXX XXXX XXXX, and were VERIFIED however purported investigation does not appear to have verified documentation nor proof from any Court nor man or woman. This is not a proper investigation according to the law. The issue to date is mentioned account ( s ) are still not reporting 100 % Accurate and are inaccurate to date. Please take notice pursuant to FRCA 15 USC 1681 every piece of information must be 100 % Accurate on credit report.

List of Accounts in violation are circled in the attachment and you will also find a disparaging letter from Transunion in response to my second notice requesting an investigation and correction of my credit profile sent to Transunion via USPS. In closing I need to remind Transunion moreover, 15 U.S.C 1681 Section 602 A. States I have the right to privacy ; and Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. Thank you for your attention on this matter.

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 2022-04-30
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since 2021, we have contacted credit bureaus to report identity theft regarding a supposed debt to XXXX XXXX according to debt collector CBE Group ( paycbegroup.com ) in the amount of {$2100.00}. The credit bureaus said they would take care of the matter but I am still receiving collection notices. 

This debt is not mine and most likely originated from identity theft. Please look into the matter, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: MI
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 have tried to dispute with all 3 credit bureaus multiple times each. I have reported to all 3 bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so XXXX they didn't bother to verify anything? Now the burden lies on me and they are so worthless they still aren't verifying anything despite it all being FRAUD. I need 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 explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: TN
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please check the Payment History, Balance, Date of Last Activity, Date of Last payment and Status information on this account and adjust accordingly. Below is the account that is reporting on my Credit Reports needs to correct as soon as possible : XXXX XXXX Balance : {$270.00} Late Date XXXX30days ] XX/XX/22 [ 60days ]

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please check the Payment History, Balance, Date of Last Activity, Date of Last payment and Status information on this account and adjust accordingly. Below is the account that is reporting on my Credit Reports needs to correct as soon as possible : XXXX XXXX XXXX : {$270.00} Late Date XXXX ] XX/XX/22 [ 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 2017-10-24
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since XXXX of XXXX, I tried to defer my XXXX XXXX  and the loans of my husband ( I am the co-signer ) with AES. We had a deferral for XXXX months, when we tried to extend it then all the problems started. AES was unclear and lacked consistent feedback for deferral. We consistently called to clarify and tried to provide all the information in a timely fashion. We were refused a reduction and deferment for the loan because the lack of clarity overlapped with the need to make a payment. Because we did not make XXXX payment between the initial XXXX deferment and the submission of an entire XXXX application, we were not even considered for reduction or deferment status. At this point, we could not make the payment. We are making small payments, and are now in default and behind. As a result, both of our accounts have been reported to credit agency because we are late on payments. I am still not working ( mos XXXX ) even though I have been looking and trying to find a job. I have other student loans that have easily deferred my payment. The AES process was very XXXX XXXX, time-consuming, and lacked any consideration for me and my husband time and intent. The AES process is layered with ambiguity, disingenuous promises, blame XXXX XXXX XXXX XXXX and consumers ), and deceit. I have had great credit and paid my bills on time for 30 years. I have more than XXXX files regarding this and they have them. I am not wasting my time to resend what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Southern Auto Finance Co
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX, Equifax violated my rights since XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX. Also. XXXX  XXXX XXXX has repeatedly violated my rights since XX/XX/XXXX - XXXX Violated these laws : 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ( XXXX ) XXXX open date XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$580.00} account # 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 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 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report to find convergent outsourcing having a collections account on 2 of my bureau reports ( XXXX and XXXX ) for XXXX. I sent a certified letter ( attached below ) on XX/XX/XXXX asking them to provide me with information such as a signed contract bearing my signature that showed I owed this debt of {$120.00} which appears on my credit report. The letter was signed for on XX/XX/XXXX and eventually was marked as disputed on the credit reports within the 31 days. However ; I have not heard one thing from the company or received anything showing proof that this debt is mine. I sent another certified letter on XX/XX/XXXX (  attached below ) as a good will faith to clear up this matter and still til this day on XX/XX/XXXX have not heard one thing from this company or received anything that shows I owe this debt being reported on two of my credit bureau reports ( XXXX and XXXX ) This is incomplete and inaccurate information being reported by them and is damaging to 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