BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Kriya Capital, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Early XX/XX/XXXX ' I noticed a delinquent amount of {$1800.00} on my credit report from company Credence Resource Management. the only reference I could locate was " XXXX XXXX XXXX  '', this doesn't align with anything I have a record of. I disputed this charge via credit agencies XXXX and XXXX and I also sent a certified letter to Credence on XX/XX/XXXX requesting further information about this debt as I never received a notification ( mail or phone ) from them. I have confirmation that they received the certified letter on XX/XX/XXXX requesting further details, but no further information was provided. On XX/XX/XXXX I called Credence at XXXX and talked to a representative requesting further information. I confirmed with the rep they did not have any of my contact information for this debt ( mailing address/ phone number/email ) and the only thing they could tell me was the charge is associated with an account opened with XXXX on XX/XX/XXXX. I do not now or have ever had an account with XXXX, yet they insisted it was my account even though they provided nothing that ties me to the account. I requested they provide in writing all the information they have associated with this, but as of yet nothing has arrived. 
Not sure what more I can do to get this cleared. I have put a lock on my credit in case this is associated identity theft. Any help is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: One Source Technology
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX at XXXX EST, I attempted to dispute inaccurate items on my Asurint report that were inaccurate, of which there were many. However, when I went to obtain the form for disputing inaccurate information, their website returned a XXXX error. No other means for disputing this information were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN A CAR LOAN ( XXXX XXXX XXXX XXXX UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THIS CAR LOAN, AND THEREFORE REQUEST THAT CREDITOR TAKES ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
this account was opened fraudulently. I never authorized this account. I alerted chase 3 months ago and they froze the account for fraud. but have yet removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called Truist on XXXX 23,2022, XX/XX/ 2022, and XX/XX/ 2022 about my overdraft fees that were not refunded to me and my debit card doesnt work anywhere. None of the representatives were able to help me and several hung up on me. I waited more than 2 hours on hold. This is unacceptable

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 2018-09-17
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I viewed my credit report and noticed I C System reporting a balance of {$640.00} which I do not recall which is reporting on my XXXX, XXXX, and XXXX credit file. Id requested which a letter documentation bearing my signature which I am entitled to if the company claims Im the owner of this account. With failure to provide me this documentation is in violation of the FCRA. And this item should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The Department Of Education did not provide me with any original documentation bearing my signature proving that I have any obligation to the amount they are reporting to the Credit bureaus under my name. They continue to illegally report this negative account to the credit bureaus under my social security number depriving me of my rights that come with having good 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 non-monetary relief
Consumer complaint received 2015-06-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I noticed XXXX judgments on my credit report with Equifax. I notified them that they did not belong to me. My father has the same name, but different SSN and DOB. All they did was go to the public records of the XXXX XXXX XXXX in XXXX, IL and said because it was the same name as me, it must belong to me. I also contacted the credit card companies and they advised that they could do nothing for me. These are not my debts and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Conn's, Inc.
State: TN
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:
My account status on my XXXX report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I called XXXX about a outstanding credit matter, they refered me to attorney XXXX i contacted them on this matter they said this matter was closed XXXX 2014 but its still showing up on my credit report I need this matter resolved as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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 status incorrect

Complaint:
An illegal re aging of an account has been done on my credit report and this is a clear violation of the Fair Credit Reporting Act. On my credit report it is saying that the XXXX  XXXX XXXX account that is been reported is 1 year, 3 months and 14 days old and this is false. Re-aging of any account is illegal and once this done then this violates the Fair Credit Reporting Act and both the creditor and credit bureau can be sued because of this and because a re- aging of the account has been done then according to the Fair Credit Reporting Act, this account should be deleted from the credit report immediately. A failure to delete it then gives me the right to take legal action to get the matter fixed or get some form of financial compensation. 
Delete XXXX  XXXX XXXX from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have multiple complaints and issues related to this company. First, the company is attempting to collect a medical debt, a portion of which I have paid off in XXXX 2016, and the remaining portion I have made arrangements to pay the original creditor directly. The company repeatedly contacts myself and third parties with no involvement in my debt with the intent to harass myself and others. The company has ignored a letter submitted with a receipt demonstrating that I paid a debt, and is still attempting to collect the debt. The debt collector has repeatedly made phone calls to my boyfriend, refusing to identify themselves when asked, as well as also making threatening phone calls to the home of my boyfriend 's elderly mother. I am a single adult and the company 's attempts to harass these XXXX people are improper as neither has any involvement with my debt. The company has refused to respond to my written documentation and has refused to use proper procedure while attempting to resolve this debt. The debt collector has also given me false information repeatedly, stating they would negotiate for a portion of the debt to be paid, only to transfer me to a " manager '' who reneged on this promise and used abusive language. The " manager '' who would not give his name over the phone used abusive language toward my boyfriend and made cutting remarks about our XXXX ( the source of my debt ) and currently makes numerous hang up calls to myself, my boyfriend, and his mother. We need assistance from an outside organization to get the contact to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX charged me for streaming on a device they said would be comparable to Clears device for internet. I called sprint to continue service for internet when XXXX went out of business. The person said they would send me a device comparable to the device that XXXX had. I was also referred to XXXX after XXXX went out of business. They told me that this device would be the same as XXXX device. They even told me they would charge then same as XXXX. After a few months of being charged {$60.00} a month the device I was using said I was streaming or what ever and said I used the device for something else and changed me XXXX one month. I told them on the date I got the bill I had not used it any other way than as internet and it was supposed to be used for said amount of XXXX. I told them I could not pay more than {$60.00} and they said I had ran up the bill for that month of {$300.00}. They said they would not change and I stopped using the device. I switch to XXXX because a XXXX employee said the device was not the same as XXXX. They in turn have me as owing them as ridiculous amount of {$300.00}. They even have me being called by said collection agency.

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 2015-09-08
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states : I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
creditor. XXXX XXXX XXXX Please remove all comments including consumer statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is in regards to XXXX XXXX XXXX  and they're XXXX card I was told that they needed a copy of my driver license or some form of government ID and Social Security card and they were kind of unclear about the other item was something that would be mailed to my residence so I went into a local bank and I gave them my driver license social security card a copy of my health insurance with XXXX XXXX that I've had for going on three years now and my XXXX cell phone bill thinking that that would be acceptable and then this morning I got a call kind of early on a Saturday morning at XXXX and rather than the guy telling me what he could except he just kept talking in terms of a setback and tell me what he could not accept and finally after

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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 HAVE CONTACTED TRANSUNION MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING TRANSUNION KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! TRANSUNION IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). TRANSUNION HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

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 2020-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 my house was sold in foreclosure proceedings. The amount of my indebtedness, as evidenced by Wells Fargo 's attorney in an EOD submitted 9 days before the auction was {$180000.00}. The house sold for {$190000.00} and as such, no additional indebtedness remained. Part of the itemized indebtedness was my Escrow Account Deficiency, which included the total premium of a one year Homeowners Policy. As such, in the sale of the home, they recouped that entire cost of premium. When I cancelled the homeowners policy, XXXX sent a check back to Wells Fargo for {$1100.00} for unearned premium. This brought the total sums they received up to {$180000.00} to pay a {$180000.00} debt. This {$1100.00} additional cost should have been refunded to me as the debt was settled in full and that additional money was taken from the equity of my property. I filed 4 complaints with Wells Fargo. The results of which have varied from me still owing them money because they said they only received {$170000.00} ( roughly, this was the starting bid submitted by their attorney, not the final sale price ), to saying they applied the {$1100.00} to my balance couldn't verify how much they received from the sale of the house to prove there was over payment, to now claiming that that {$1100.00} was applied to additional costs and fees incurred by Wells Fargo that they didn't receive from the foreclosure ( despite the evidence of debt, issued 9 days before the sale, stating : " The following is an itemization of all amounts due the holder of the evidence of debt secured by the Deed '' ). They now will not substantiate where the alleged " additional costs '' came from despite my dispute and request for validation, per FDCPA guidelines. They also believe they are allowed to claim additional debts after the evidence of debt was submitted, despite that being against the law. They are only allowed to claim the expenses that they evidence and claim at the time of Sale.  They still refuse to issue the over-payment.

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 monetary relief
Consumer complaint received 2016-03-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In 2002, while I was XXXX a bank that is now known as Wells Fargo issued a home equity loan to a third party and used my property as collateral. This third party showed no ownership of this property located at XXXX XXXX XXXX XXXX in XXXX, XXXX Wells Fargo is now foreclosing on this loan. I tried to address this situation through their fraud department with no success. They ruled against me and totally overlooked the facts that i could n't have signed for a loan because of my whereabouts at the time. They have n't allowed me to negotiate a fair outcome because the loan isnt in my name.

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 2020-04-21
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NCB MANAGMENT SERVICES Last reported XX/XX/2020 {$4700.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor unfortunately this is the only Information shows on my credit report, don't show account number or a telephone number to call, I already dispute this with XXXX and XXXX it was no response from them please help me to resolve this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a XXXX XXXX. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?

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