BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: FL
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 contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page XXXX5 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXInquiry Type : Individual XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Kriya Capital, LLC
State: AZ
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:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CREDENCE RESOURCE MANA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX  Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02
Company: Credit Karma, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I've updated my information with all agencies. Credit Karma will not updated my information. All I get back are generic email messages. No contact information to speak with any one about this problem. I have emailed several times and continue to get the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ACS/XXXX XXXX XXXX XXXX This is a education loan which was consolidated. It states on my credit reports it was paid but past due 90 days. I was never past due on this loan. I have four loans with ACS all of which were consolidated at the same time and this is the only one reporting inaccurate information. I started an investigation with ACS and they have not remedied the problem. This late reporting is inaccurate and I would like this corrected on my credit reporting and reported accurately with no late payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Every year I apply for income based consolidation it takes forever, every time I call I get different information from different representatives that always contradict eachother. I was on an income based repayment for two years because I was informed that it was my best option for repayment. What was n't explained to me was that my income based payment each month only covered the interest that was accruing. I was paying for two years and my loan payment was not going down at all. I spent all of this time and money wasted and it was n't doing anything except benefiting the student loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is {$10000.00}. I requested more information by fax that include my email address on the X/XX/2017. Also I attached was a copy of a casher 's check and emails verifying the amount was incorrect. I was told they will have to investigate and I will have to pay {$4000.00} but the will have to report the {$10000.00}. and stay on my credit for seven years. Up to now I have receive a breakdown of the charges.

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 2021-08-24
Company: Debt Co LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT MY ACCOUNT AND WAS OPEN UNDER FRAUD I ADVISE THE COMPANY OF THIS YEARS AGO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ever since my loan servicer has switched from XXXX XXXX to Navient as of XX/XX/2022, I receive monthly notifications from Navient to refinance/consolidate my federally held loans into a private loan from Navient. These letters did not start until Navient received my loan information as a my new servicer. This practice is predatory and is utilizing my data, obtained through a government contract, for their private gain to actively try to remove my loan from the federal system and convert it into a privately held loan. This would remove protections and options for my repayment that are only available as federally held loans. 

This is predatory and misleading and is the only communication I have received from Navient about my federal student loans, despite them being my new loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HSBC claim deposit in my account was counterfeit this check was issued from XXXX XXXX XXXX XXXX for my cousin who was XXXX from XXXX. HSBC dont wan na replace the check because they cant properly tell me where the funds is at. I need documentation that states cgeck indeed was fraud which I know was not the check was XXXX I have also contact the insurrance company that comfirms check was not fraud so I need to know where the bank is getting this information any fraud checks the bank gets a XXXX security form to fill out I will like a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXn XXXX I had 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.

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 2022-02-05
Company: EQUIFAX, INC.
State: NY
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 was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This fraudulent account has been previously removed multiple times as XXXX has never provided any documentation, and when I call then they say they have no accounts in my name. Furthermore their collection agency, I C SYSTEM INC, has never provided any documentation. Both have been informed by phone and in writing that this account was fraudulently opened by my ex-wife, XXXX XXXX, and refuse to take any corrective action.

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 2018-08-15
Company: Action Credit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I fell Behind on my be payment.. the CSR called to collect payment I asked if I could make the payment on Friday since thats when I got payed they asked what was the reason why I fell behind I let them know we had a medical emergency and that is why I couldnt make the payment. Then the CSR responded well I dont care what your excuses are I need the payment and I need it now. I told her I could make the payment but until Friday. She said she couldnt wait and needed now. I told her all I could do was Friday and that I had to hang up cause I had to go back to work. She then replied well Im going to call your work to speak to you. I worked at a XXXX XXXX and I had already asked her several times to stop calling me at work. She called me the next day at work and I again told her couldnt make the payment and that I had asked to stop calling me at work because I was going to get fired. The initial call was on a Monday and she kept on calling my work all the way through Thursday on Friday when I was going to give a payment she told me it was a higher amount and hat I didnt have and she couldnt accept the lower amount. This person started calling the whole world to tell them to ask me to pay my loan and gave out information about my loan dates taken out amounts days I was past due and all the details. I spoke to her and told her that what she was doing was wrong and that I was just goIng to wait until the loan was charged off so that I could pay off because I didnt want to deal with her anymore. She said she didnt know what if was talking about that I never asked to stop calling ... i was fired from my job due to the many calls she made to work and now Ill really dont have a job to pay them back with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got an alert from my credit bureaus that a debt was reported. I have no ideal what this debt is for and I Never receiving anything in writing system that I owe this debt with this collection agency. My FCRA rights have been Violated as, 1- I never received any Notice in Written from this company about this debt.
2- I was never given an opportunity to dispute this debt.
3- This has reporting to the credit bureaus and it is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint against Datamax Corporation ( Collection Agency ), XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Datamax Corporation is in violation of the North Carolina Consumer Protection Laws regarding the requirements of collection agencies having a license, bond, or both to be able to collect in the state of North Carolina. The North Carolina XXXX XXXX XXXX website shows Datamax Corporations XXXX # XXXX, XXXX  State ID # XXXX as an Inactive status with an expiration date of XX/XX/XXXX. 

I find that this collection agency is deficient in this requirement. Therefore, I request that Datamax Corporation be removed from my credit reports ( XXXX, XXXX, XXXX ) immediately. Ive already sent a HIPAA Collection Agency Validation, Dispute, Cease & Desist Letter to Datamax Corporation and the Original Creditor XXXX XXXX XXXX on XX/XX/XXXX via certified mail and have given both the opportunity to honor my request within 10 days of receipt of my letters, but still have not received any response from either company, or an update to my credit reports ( XXXX, XXXX, XXXX ). 

Any assistance from you in regard to this matter, will be greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
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: Investigation took more than 30 days

Complaint:
TransUnion is not complying with their own policies in a timely manner. I have sent a 609 letter and a letter demanding that they comply to remove erroneous accounts on my report. It has been 30 days and no response or notification of a pending investigation.

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 2022-02-05
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Santander has attempted to collect an alleged debt and repossessed the car without validation of debt. Ive sent a letter of validation of debt by fax twice in XXXX and XXXX. Where I have proof my validation of the debt request was sent and received. No response, they continued to call. 
They are in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry date is from XX/XX/2021 its from navy fcu and i have another one same company for XX/XX/XXXX i recall running my name for XX/XX/2021 however i do not recognize the other two please block and remove from my credit report i tried everything to get this off i called the credit bureau and the bank it came from please remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: CO
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 received an e-mail saying a new negative item was now impacting my credit score. I logged in and checked and it was a balance from a collection agency for an amount of {$680.00}. I asked for the item to be disputed ( with experian ) and they did so, but in a short time confirmed it was my information. I tried to file a police report but the police still have not returned my calls. Experian doesnt seem concerned that Im telling them that the person who used my info to get approved for this card was not me. I told the collection agency that this isnt me. They agreed that it looked suspicious that it was not my address on the account. I still have not heard back from XXXX XXXX XXXX. My previous employer, XXXX XXXX XXXX lost my personal information due to a data breach. During the year of 2021 I had the credit reporting agencies lock my social security number with a fraud alert.

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 2017-08-17
Company: Experian Information Solutions Inc.
State: FL
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 submitted a reinvestigation dispute for 2 accts that are still showing on my Experian credit report XXXX and XXXX XXXX XXXX I spoke with supervisors at both those companies and they agreed to delete these 2 accts from all 3 reporting agencies they 've been deleted from both XXXX and XXXX  already as promised but Experian fails to take them off

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 2017-08-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
This pertains to the complaint # that XXXX was responded to by HMF. the company claims that " HMF attempted to contact XXXX XXXX on XXXX XXXX, 2017, but was unable to '', I would like to have all the copies of communications, on how this contact was attempted? what all processes the company followed to ensure that it meets the Fair Credit Reporting Act ( FCRA ) and how XXXX XXXX 's consumer financial rights were not violated by reporting negative credit information to the consumer reporting agencies without informing XXXX XXXX of this action? Why should HMF should not be sued in this case for apparent violation of the FCRA? Upon receiving the {$750.00} from XXXX XXXX, why did HMF failed to inform the remaining balance on the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I paid a hospital bill that was outstanding. Shortly after that I started receiving phone calls and texts from Wakefield and Associates regarding an outstanding balance that they were trying to collect on. I contacted the hospital which verified the bill was paid and they indicated they do not hire collection agencies and were not sure who this company was. 

I am receiving harassing calls and texts from this company on a daily basis, despite me informing them this bill has been paid. This is affecting my work day with nuisance calls. I am requesting that the CFPB contact Wakefield and Associates to stop this harassment. 

Thank you

Company response to consumer: Closed with explanation