BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-02
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XXXX XXXX I am a Medicaid recipient and this benefit has never stop. This company is trying to collect a debt that I do not owe because Medicaid pays all the bills that we owe. The situation and my concern is that XXXX members of my family have been contacted by this agency and XXXX of them paid more than XXXX XXXX dollars for a debt from XX/XX/XXXX when he was a child. Also my uncle who is medicaid recipient too, is being harassed by them trying to collect a suppose debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: CITIBANK, N.A.
State: TX
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:
In XX/XX/XXXX my mothers LLBean credit card was stolen from her room, As soon as we discovered it was stolen we called the credit card company and reported it, It took several calls and they decided that we needed to fill out a form explaining what charges were fraudulent. We sent the form in and after a few more calls I took over the process because it was hard on my XXXX year old mom making all these calls. I sent them a copy of the Power of attorney that I have so that mom doesnt have to deal with these things. After I sent them the POA we talked on the phone again and they told me they would remove the charges. It took a couple more calls for them to remove all the charges and the interest and fines. This whole process took 3 or more months and finally they took off all but a few charges that I paid just to get the whole thing off my plate. For a couple months the charges stayed off the bill until this month when all the old charges ( {$420.00} ) showed up again with XX/XX/XXXX dates on them. I called again to get the bill right and they told me they couldnt talk to me because they didnt have a POA on file so I sent a new POA and hope that with your help we can get this fixed for good. Please help me solve this for good.

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 2017-07-17
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with  XXXX . The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to  XXXX  2009.
<P/><P/>
The partial account number is  XXXX . The address identification number is  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 2022-01-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Delta Management Associates, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received improper calls from XXXX XXXX XXXX. Her call back is XXXX XXXX XXXX. Did not state who she was with, what the issue is except that I " was used as a reference '' which is bogus. Have noticed this number over a year on my caller ID list but never left messages until this week Research on line indicates this is Delta Management who is a debt collector. I have never received anything from them and i have no debts having just checked my XXXX free credit reports. Their reviews under this number projects a very negative image and questionable tactics and objectives. They have no business contacting me by phone which is listed on the Do not Call list. I suspect they are preditory, seeing if they can con you into paying on an old debt?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2017-07-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient sent a notice on XXXX XXXX that they would be willing to settle on the account. I called and and arranged to pay down {$3000.00}. I had 90 days to pay for it. We arranged {$1500.00} on the first payment which they received and the second payment a month later, and if I could n't do that call back in and we can change the payment date. They refused to do it. The baited and switched me. And said, " oh you have to pay it all now. These disgusting people that the federal government has hired are unethical, liars and I will not do this. I will stop any check payments on my bank, they have refused to honor what they told me. <P/>This can be recorded I hear all the time on the phone. Than let 's here it. IT will show a different picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested numerous times from Experian to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to    XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in   vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.

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 2017-07-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX   XXXX  XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX . XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX  XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with  XXXX , Experian, and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to  XXXX ,  XXXX , and Experian. In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to  XXXX  and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted  XXXX  and  XXXX  in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by  XXXX  and  XXXX  I wish that  XXXX  and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2022-01-03
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 an issue with XXXX, XXXX, and TransUnion. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.

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 2015-10-20
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am a rush card customer and on XXXX XXXX, 2015 rush card stole {$3000.00} from they can not tell me what happened to my money or when I will get it back. I spoke with a representative and she stated she saw where I had {$3000.00} in my account but she said she could n't see where it went. My account now has XXXX in it. I can not survive without my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-02
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This Apex collection report showed up on my report magically without any warning this year. I need this false report removed immediately! I have been sending in a report every week and will continue to do so because I feel this is criminal activity and they should be fined at the very least or do jail time. I need something done about both Apex slanderous accusations or I will be hiring an attorney. This is most definitely criminal activity and needs to be resolved quickly. No one in my family has ever in thier life been to a neurologist. No one from any hospotail has ever contacted me regarding any {$15.00} balance owed for anything or else I would have asked for paperwork. Why did both of these {$15.00} charges just show up a couple of months ago when I supposedly owed it from 5 years ago? Remove it now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is a formal notice that you have failed to respond in a timely manner to my dispute concerning the accuracy of what you have on my credit report. Under the FCRA 15 USC 168i ( 5 ) ( A ), you have 30 days to respond to my request for VERIFICATION not VALIDATION, of which there is a difference of the erroneous items. Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per 15 USC section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the item removed at the address stated, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your credit bureau may be liable for : 1. Actual damage I substained by you failure to delete items 2. Punitive damage as the court may allow 3. costs of the court action, plus my fees for the attonery

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 2017-03-16
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company Credit Management LP has accessed my Consumer Credit Report without lawful Authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked him to send me any documentation that they have that gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given them consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be filed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Source Receiveable Management this account was already remove once from my report as unverified with a previous Third party collections agency. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim for this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal 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 2015-10-07
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Since 2013 I 've been receiving letters and calls from collection companies and XXXX Phone company, someone else under the name of XXXX XXXX used my identity to get different services including XXXX, XXXX did not verified my identity and allowed him with equipment and services using my name. 
On 2013 I discovered with my husband that we both were victims of Identity Theft, and we started submitting the information to the Police Department and followed with Credit Bureaus. 
The last company from which I received letter wasCredence Resource Management, LLCXXXX XXXX XXXX XXXX XXXX, TX XXXXit was on XXXX XXXX, XXXX called this collection company and reported them about the issue, XXXX has been selling my supposed debt through different companies, and after almost 3 years I 'm still dealing with bad credit report, letters and calls. 
I will submit a copy of the Police Report and the last letter that I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: LA
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 am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Equifax credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Equifax via mail and phone but I was denied to get these items removed from my credit report. That is a violation of FCRA requirements. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Equifax and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Equifax to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    Inq uiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from XX/XX/XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX    Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX

Company response to consumer: Closed with explanation