BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I disputed with my bank navy federal. they denied all claims. I contact XXXX disputed and they denied. I sent the contract and all proff that I was scammed and the didnt nothing and held me fully respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX, Experian showing XXXX XXXX as delinquent. I have already tried asking them to remove as I have received the car title for this account. It has lowered my credit score drastically and asked them to remove it however not done yet. Privacy act of XXXX. I have submitted another dispute and waiting to see what the results are but need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Allied Credit Consultants
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The debt collection agency Roth-Morgan and associates called me posing as a lawyer, threatening to sue me if I do not pay the {$250.00} balance from an old bank account with XXXX. The debt is well beyond the Florida state statutes for theme to continue to collect on. They will not stop calling or threatening me with a law suit. None of their letters say anything about an attempt to collect a debt. They are violating the fair debt collection practices act.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-14
Company: TJR Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This collector leaves message saying there is a legal case pending against me and that I need to call to stop possible wage garnishment. They also do not leave a message about who is calling and does not leave a return number.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-19
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: Account status incorrect

Complaint:
On  XXXX   XXXX ,  XXXX  at  XXXX   XXXX   XXXX   I called  XXXX   XXXX  at  XXXX   XXXX   XXXX  and  spoke  to  XXXX   EXT :   XXXX  to inquire about the late payments that occurred on my account after the account was closed.  XXXX   Advised that she  could not see any of the late payments that have been posted onto my account.     Upon doing an annual credit check I noticed tha t I had 2 late payme nts for the months of  XXXX  and  XXXX   XXXX . My account was closed in  XXXX  due to a motor vehicle accident that left my vehicle totaled and my account was closed in  XXXX  of  XXXX . I wrote the company to disput e the 2 late payme nts that had been put on my account after my account had been closed and instead on  XXXX   XXXX   XXXX  they posted another late payment to my account for the month of  XXXX   XXXX , 8 months after the alleged late fee occurred which caused my  XXXX   XXXX  to plummet almost  XXXX  points.     Further more the name is reported inaccurately on this account.

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 2018-11-02
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 sent a letter to Receivables Management Partners , LLC located in XXXX XXXX, IL XXXX. I requested for RMP to provide me a copy of my signature with the provider of service with XXXX to release my medical information to RMP. In addition, I requested for RMP to cease any credit bureau reporting until the debt as been validated by me. 

On XX/XX/2018 I sent 2nd request for Receivables Management Partners , LLC to provide me a breakdown of fees including any collection and medical charges. In addition to provide me a copy of my signature with provider of service to release my medical information. It has been many phone calls after I demanded that the phone calls need to stop. I asked not to contact me by phone call only through via mail. They have failed to stop the phone calls after I have sent two letters to provide me with the information they are required to provide me under the Fair Debt Collection Practices Act ( FDCPA ). I am allowed under the Health Insurance Portability and Accountability ( HIPAA ) to protect my privacy and medical records from third parties. I have asked many times to provide me a contract with my signature that I have to pay them. All the letters sent to them were mailed as certified and return receipt to Receivables Management Partners , LLC. They have failed to provide me what is required to verify the account. I do not recall the fees and amount since I have asked the hospital with financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to th

e 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permis
sible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Kriya Capital, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8  months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX charge my account in my name with a fraudulent charge and sent it to collections. The charges were not validated, and I didn't permit them to report any debt on my behalf. I need them to provide proof or to removed this from my credit report

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 2023-08-11
Company: EQUIFAX, INC.
State: NJ
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:
Under the Fair Credit Reporting Act XXXX Account, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. These two XXXX XXXX accounts are showing late payments That are hurting my credit scores

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Nelnet, Inc.
State: MI
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:
My student loan SAVE plan reflects a payment I can not afford. I tried to get it redetermined, but their website still displays the incorrect higher amount. I can not afford to pay ANYTHING right now or for the foreseeable future, unless something changes. I have tried to reach them countless times. Each call is met with XXXX hour hold times, and calls are always disconnected before they are answered. Most days I start calling when they open and have been disconnected while on hold XXXX times throughout the day, giving up when they close. Every day for months. I also have submitted several requests to be contacted via their website email form, also without any response. My payment counts only show from XXXX, however I have been paying since XXXX, qualifying me for discharge. The balance is incorrect as well. Additionally, they are reporting on my credit report absolute nonsense that does not coincide with the amount they say I owe or anything else I can find. This has cost me considerable XXXX XXXX points. I feel this is likely illegal. How can I be expected to pay an incorrect amount on an incorrect amount, while simultaneously having different incorrect amounts reported on my credit, and just... ignore it and pay, hoping they straighten it out eventually?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am filing this complaint myself against Ford Motor Credit for a 30 day late payment they reported on my credit report in XX/XX/2022. This 30 day late payment was reported due to a bank error on Ford Motor Credit 's end. In XX/XX/2022 I requested to have my lease extended due to the fact the new vehicle that I ordered from XXXX was not available yet. I provided Ford Motor Credit the order receipt to show that I was waiting on a new vehicle and in the meantime they were to extend my lease. I was waiting for my New Payment amount, and new payment date to be generated as their were no options to pay online because the new payment amount was not available on the system. I don't know how Ford Motor Credit expected me to make a payment when the option was not available by phone or online. This is clearly a bank error and needs to be corrected as this affected my ability to refinance my home because this Inaccurate Late Payment Reported by Ford Motor Credit has dropped my credit score XXXX points. I need this to be corrected in the next 30 days. I have consulted with a credit attorney that I have not hired yet to know my rights and what to expect. I am expecting this to be corrected in the next 30 days so I can save my time and energy hiring these attorneys to help me correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Last year I noticed an account on my credit report that should not have been there from XXXX.I never received any bills in the mail that I owed them any money.I never received a phone call regarding an outstanding balance.The balance was just reporting on my credit report which violates the FCRA laws put in place by the FTC to protect consumers from frivolous debt.I contacted the company and they refused to update the information.I filed a dispute with Experian and experian responded back that the debt was validated yet refused to show me how it was validated and what information they relied on to validate the debt itself.This is in violation of the FCRA as well.Both Experian and XXXX are now making it impossible for me to get qualified for a mortgage as I was told by my mortgage counselor I would have to pay the erroneous debt.This is debt that I am not legally responsible for.I financed an insurance policy with XXXX and then decided to cancel after 6 months as I switched the vehicle to a commercial use vehicle and it required different insurance.XXXX received each monthly payment from me.At the time of the cancellation of the policy, XXXX failed to recalculate the interest that was charged to my account.This resulted in them showing I owed a balance.I am not responsible for interest charged but not used.I cancelled the policy before year end.When the policy started, I was charged interest for a FULL YEAR on the loan.I did not finance the policy for a whole year so I should not be responsible for the interest.Not only is XXXX and Experian ruining my credit, but they are also charging me for something I do not owe. That is THEFT and ILLEGAL.

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 2021-08-10
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/21 Amerassist AR Solutions ( XXXX XXXX ) Ive done research on this company and there have been many many negative reviews on how this company operates. I have had something occur last year with my credit and a family member using my credit for their benefit. The amount XXXX popped on my credit report as collections. Immediately I reported and I have filed w/ FTC and submitted my paperwork ( identity fraud ) to the all credit agencies for this item to be removed. XXXX  is the only credit agency that I am disputing this collection debt. I have attempted to dispute this item twice now and no luck as of yet so Im taking this route now hoping this can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent two transactions through cash app to a, XXXX XXXX XXXX. The amount thats was sent was XXXX transaction of XXXX XXXX  and one for XXXX XXXX The exchange was supposed to be for a part to fix my car. ( A driveshaft ) After I sent the money XXXX stopped responding and my package never came. I have all the messages for proof and my bank keeps telling me that since it was an authorized transaction made on cash app, that they can not do anything. 

I paid for a product I never received. I have this mans whole name. There has to be some way to get my money back. Right? 

This is really unfortunate and this is my last chance of hope

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRUIST FINANCIAL CORPORATION
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:
None of the descriptors you provided worked for this situation. 

We live in XXXX XXXX in the National disaster area. We were contacted by Truist Bank by Mail and offered help and support. I was curious as to what this was all about. I was told about different options Forbearance, deferred payments, combination of both and Home Equity loans. 
I said we really werent interested. The person I was talking said she would send us a form to fill out and sign if we were interested. When the form came through the mail, I tore it up and put it in the garbage. 
I didnt give it a second thought until this week when I found out from XXXX XXXX that I was being denied credit because You are participating or have recently participated in a payment relief or deferral program receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 
I found the report that was used XXXX and found the problem was with our mortgage that was taken out with Sun Trust now Truist. Under status. Open/Never late. Deferred, payments begin XX/XX/2023. This is not true. We have not deferred payments and dont ever intend to.

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