BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife called ERC Monday on XXXX.17 in order to get information about a a debt reporting on my credit report. She explained that the equipment was stolen and asked for contact person and phone number directly to XXXX XXXX XXXX, so that we could call them and resolve this matter. She spoke with XXXX XXXX, he refused to give her any information to contact the creditor. He just kept trying to get us to settle. What she tried to explain to him was we should n't be paying for equipment that was stolen, she did n't think it would be such an issue to get information so that we could figure out what exactly is going on with this account. Being that equipment was stolen, I do not understand how ERC is trying to collect on stolen equipment. XXXX stated that we could pay settlement or that he would open a dispute with XXXX. However, I have no paper trail or confirmation that this is actually happening which cause grave concerns for me. She asked him how long would the dispute take with XXXX, his response was I am not sure. They can take as long as they need to respond to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credence Resource Management LLC Corporation Service Company XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : The Office of Registered Agent for Credence Resource Management LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
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:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
COMPLETE AND TOTAL FRAUD. THE ACCOUNT IS OVER SEVEN YEARS OLD. THEY ARE NOT CORRECTLY REPORTING THIS IT SHOULD BE REMOVED PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: SYNCHRONY FINANCIAL
State: OK
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:
On XX/XX/XXXX I made a payment of {$22.00} to PayPal Credit and {$23.00} to PayPal MasterCard. Both payments were " refunded '' on XX/XX/XXXX. My bank ( XXXX ) has NOT, I repeat NOT received a request for the payment. I have over {$18000.00} available to pay these two little amounts. It has nothing to do with XXXX. Synchrony has in internal issue they refuse to investigate. They have damaged my credit and I want a THOROUGH investigation into their system to determine the correct this issue and restore all my accounts along with an apology letter for the damage to my credit and lack of customer care over the past six months. 
LIKE LAST TIME, I HAVE INCLUDED MY ACCOUNT ACTIVITY FROM THE PAYING ACCOUNT! USE IT INSTEAD OF LECTURING ME ON THE DEFINITION OF A " RETURNED '' CHECK. WHICH IS A TERM NEVER USED ON ANY OF THE ACCOUNTS AND WHICH HAS NEVER HAPPENED!. READ THE TRANSCRIPT FROM XXXX STATING SYNCHRONY HAS NOT BEEN SENDING ANY REQUESTS FOR THE PAYMENTS I HAVE AUTHORIZED!!!! 
THE ONLY THING DISHONORABLE HERE IS THE ATTITUDE AND NEGLECT OF SYNCHRONY BANK. ZERO PROBLEMS WITH TWO PAYPAL ACCOUNTS FOR THREE YEARS! AGGRAVATION AND ATTITUDE EVERY SINCE.

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 2019-10-21
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus XXXX is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a case file in XXXX with the number : XXXX, and citi case : XXXX. Basically, we rented car from XX/XX/XXXX at XXXX for total amount of XXXX XXXX XXXX, but XXXX charged me with XXXX USD on XX/XX/2019, after disputed, refund me with XXXX USD on XX/XX/2019. BUT THIS IS STILL NOT RIGHT. 

please be reminded, this was happened in XXXX, I was supposed to be charged with XXXX XXXX, please see my original rental agreement nad final receipt I attached.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX XXXX XXXX XXXX, XXXX, XXXX advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX XXXX XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?

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 2019-12-30
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have had over {$66000.00} of capitalized interest added to my student loan balance over the past 7 years - all because I didn't do my yearly recertification for my income driven repayment plan in a timely manner. I understand that I must take some responsibility for failing to do the recertification, but I think that nearly {$70000.00} added to an account without any recourse is insane. I have continued to make my monthly payments, but I was ignorant as to why my account balance was going up until now. I spoke with XXXX and XXXX at FedLoan servicing on XX/XX/2019, and they informed me that there is nothing they can do. 

The notices they send out for recertification indicate that capitalized interest may be added to the accounts. It doesn't indicate the amount or that it is a guarantee. Worse, it doesn't list an amount of interest that will be added for failure to recertify. I should've asked questions before today, but this practice has to stop. I work hard trying to do the right thing and pay my loans back, but under this system, I will be paying forever. I hope that someone can look into this if not for me, then other people to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 noticed fraudulent inquiries on my credit report theres three on my TransUnion

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 2017-07-25
Company: AES/PHEAA
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I will try to be as brief as possible. I have submitted my DTR last year I have recently received an email stating no determining descision has been made and that communication with Fedloan servicing would be made as well. I then received notice from Fedloan in an email stating they were going to automatically take money out of an account I removed from their auto pay several years ago. I did this when they illegally drained my bank account of over XXXX use. I was left panicked and drained unable to eat sleep or much of anything else. I lost my job I went off the deep end. I ended up getting this back by disputing all of it. This email from Fedloan was followed up by a personal phone call. I demanded to know why they took me off my administrative forebarrence. They replied " I do n't know after several calls and emails removing the account and their ability to drain me again. I also requested any all all documents and a review with a reason why they removed my DTR rights! This was all requested the 1st time XXXX XXXX 2017 and again on XXXX XXXX 2017 and now again today XXXX XXXX 2017. These loans are fraudulent loans I have a letter from my states attorney citing the " holder clause '' and many other fraudulent practices made by the XXXX XXXX XXXX XXXX. Now I continue to have to go through XXXX! This will not continue! I am not a XXXX I am not your puppet! Take me to court in XXXX!  The federal government has been paid back by XXXX my debt is a result of all their fraud! These loans are fraud! They must be removed from any and all collection agencies and all other affiliated or non affiliated us government made agencies. I have proof these are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit {$10000.00}. 
Bank of America $ {$4000.00}. 
XXXX XXXX {$2000.00}. 
XXXX XXXX {$17000.00}. 
XXXX  {$3000.00}. 
XXXX XXXX {$3000.00}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - XXXX XXXX XXXX XXXX XXXX - it was a mortgage company, please remove Regardless, 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 2022-01-22
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone that I do not know of used my name to get a credit line through ACIMA. I was completely unaware of it until noticed that my credit score decreased significantly. Due to the credit score drop, I logged into my XXXX account and realized there was debt with ACIMA and they reported to XXXX only. I disputed the account through XXXX and communicated I was waiting on my police report. Before, ACIMA and XXXX received my police report of fraud they communicated with one another. XXXX noted on my account that ACIMA said the account belonged to me without a police report or an investigation. This is indeed NOT my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was working hard to raise my credit score. Before the identity theft, my credit score was XXXX and not plummeted to XXXX on XXXX. I want this account eradicated from my account expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-10-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The total balance of the transaction was {$1900.00}, after disputing the transaction with my bank and communicating with XXXX. There is still a charge to my Wells Fargo Account for {$980.00}. My receipt on the XXXX Account Online has a balance of {$890.00} that has not been refunded. Normally, when XXXX has issued a refund for the entire purchase, it will read {$0.00} after the total has been refunded XXXX Please see example from a previous receipt attached ). However, XXXX has not issued the full refund, there is still {$890.00} on the receipt that has not been refunded online at XXXX 's Online Receipt, and {$980.00} posted my Well 's Fargo Account as withdrawn by XXXX. Please help, as have reached out to both XXXX and Well 's Fargo for a refund. Please see the attached XX/XX/XXXX order, as an example of how the receipt should look when XXXX has refunded the entire order, there should be a zero balance. As opposed to the attached XX/XX/XXXX order in question, which reads a balance of {$890.00} which has not been refunded. This should read, {$0.00} if all items were refunded. The initial receipt of {$1900.00} is also attached only {$1000.00} has been refunded to the account. There is still a total of {$890.00} as reflected in the Online XXXX Receipt, and the similar total which is still posted and has been withdrawn from my Wells Fargo Account. I have also attached my bank statement which reflects a charge to the account XXXX from XXXX for {$980.00} that is still posted as a charge to the account. This amount has yet to be refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Here is the situation, my husband and I lived at the XXXX courts for almost six years and it came to a point where the neighbors were so disrespectful and inconsiderate after only being there for one year. We spoke with the leasing office and we tried resolving the issues and it continued for months, therefore, it left my husband and I no other choice but to find another place to reside and we had to break our lease, we totally understand breaking your lease before it expires, you are still liable for the remainder of the terms on that lease. I feel we had probable cause and therefore when the timing is right and the funds are available we will in turn take care of this matter! Until then, it does not give the reporting company to keep harassing us about non-payment at my work place. I prefer they didn't call, but they have yet to sent out a letter, in regards to 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 explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.

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