BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I requested the credit bureau to investigate erroneous items on my report. my credit report is filled with incorrect information that is not mine it is now XX/XX/2023 and i have yet to hear from any of the bureaus. I have also sent a follow up letter which i believe was ignored. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-10-30
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The original company was XXXX XXXX and the loan was transferred to XXXX. The original loan was {$7000.00}. I have also been paying on my loan since 2019 and have paid even while being unemployed through XXXX. XXXX XXXX deducted payments directly from my account my account was reported a few times as being late. How is that possible when ACH payments were being deducted..? My loan balance is still {$6500.00} after 4 years. I received via email a falsified notice from XXXX with my electronic signature and my co-signers signature.It was falsified.It stated the original loan was {$8000.00}. I never received the original loan documents as requested under FOIA. I have attached disbursement dates and amounts showing a loan for {$7000.00} not almost {$1000.00} more .My co-signer and I didnt agree to {$8000.00}. Thats illegal and I have read a substantial number of complaints submitted to CFPB about this XXXX tactic of changing documents and original loan amounts. I see nothing has been done to change their criminal behavior. I have reached out to the SEC, my Attorney General and a few law firms. I also made a previous request to release my co-signer. I have full-time employment as a Federal Contract worker for nearly three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
MY LOAN ORIGINATED IN XXXX XXXX XXXX XXXX XXXX XXXX  THEY HAVE NO RECORDS OF THE LOAN IN THE YEAR XXXX. YOU ARE SAYING MY LOAN ORIGINATED IN XXXX NOT XXXX THAT IS BECAUSE IT WAS CHANGED TO A CONVENTIONAL LOAN, NOT UNDER THE FHA AS A LOAN UNDER THE VETERANS ADMINISTRATION AS OF XXXX. DOCUMENTS I HAVE FOR ONE FROM XXXX XXXX XXXX XXXX DOWN IN THE RIGHT-HAND CORNER BUT IN THE UPPER-HAND DESCRIPTION COLUMN IT HAS XXXX. MY LOAN WAS UNDERWATER FROM XXXX XXXX XXXX  AND I HAVE A DOCUMENT THAT SHOWS A CASH-OUT REFINANCE WAS DONE FOR {$28000.00} AND ONE FOR XXXX FOR {$30000.00}. I HAVE FORENSIC PAPERS THAT STATE THAT THIS DOCUMENT IS INDEED A FORGERY WITH MY INITIALS FROM THE COMPANY NAMED XXXX XXXX THAT DOES SOFTWARE FOR INVESTORS NOT UNDER FEDERAL GUIDELINES.

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 2023-08-09
Company: EQUIFAX, INC.
State: OH
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:
This is my XXXX time disputing accounts that are fraudulent. I am not an attorney or third party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$270.00}, XXXX XXXX XXXX XXXX : {$9600.00}

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 2018-04-20
Company: Worldwide Processing Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
About a year ago I had received a phone call from a company called FMR ( Forward Movement Recovery ) saying that I owed on a payday loan. When they had first contacted me they had said that they needed to know my location and whereabouts. When I contacted them they had said there had been a claim filed against me. I asked who was this so called payday loan company and their response was oh probably like a XXXX XXXX XXXX. I had panicked and started to pay them so I would get sued. I ran my credit report to see what things I had in collections and when it came back I had nothing that was in collections from a payday loan company. I called my bank and had them cease any future transactions that were scheduled to run from FMR. Since that point on, I had not heard anything from FMR. Fast forward now to XX/XX/2018 and they are calling my phone again saying I owe them for a payday loan. I ran my credit report again and dont have anything in collections for a payday loan. This needs to stop ASAP before I file a lawsuit for harassment and extortion and I will take it to my state attorney general and the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3900.00}

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 2021-07-27
Company: SYNCHRONY FINANCIAL
State: IL
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:
On XX/XX/XXXX I tried calling synchrony bank, but no one ever answers, plus they use the gimmick of a recording to repeat that your on hold, when in reality you can be there for hours and never get an actual person to pick up. On XX/XX/XXXX tried it again, no answered. I went on XXXX XXXX to see the reviews and what I found was scary. If Id had known care credit was this bad I would not have even signed for a card from them. They always take theyre payment off late even though I paid 3 days early, then I get a late charge fee of XXXX bucks, then I found out they opted me in for a security fee charge when I never gave them permission or my authorization to opt me into anything and thats another whopping {$39.00}. Then recently XX/XX/XXXX I got locked out of my own account so now I cant even see my balance and again, trying to get someone on the phone is XXXX near impossible. Its funny cause on my credit reports it shows I paid synchrony bank on time and never had a late payment, but care credit, or synchrony bank says Im late even though I payed them early. Plus the interests sur-charges? I mean i already paid a lot of money toward them, and in the end of it all, instead of paying back what I owe which was {$2500.00}, in the end Im paying almost XXXX XXXX dollars or more. They got me locked in so tight and they are screwing me over left and right and Im now left in a hard spot. And the estimate payoff is a whopping 13 or more years. Ill be paying this card till Im 30 something years old.

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 2022-08-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management DOES NOT have first-hand knowledge of the account and failed to furnish the original wet ink signature of the assumed debt. 

Midland Credit Management is NOT in compliance with the Fair Debt and Collection Act. 

Midland Credit Management violates Federal 15 USC 1681-B. They DO NOT have permission to access my personal information such as my social security number. 

Midland Credit Management Inc. violates Federal Law according to 15 USC 6802 which states that a financial institution may NOT sell any personal information to a third party or affiliate. Midland Credit Management is reporting illegal activity when reporting my personal information. 

Midland Credit Management provided insufficient information ( per my request ) prior to the last hearing and was unfairly given another opportunity by the Judge to provide said information again which they failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: OH
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 account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a installment contract where they stated that this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA

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 2023-04-30
Company: Experian Information Solutions Inc.
State: NC
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:
In Accordance with the Fair Credit Reporting Act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : has violated my rights. 



15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 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 2021-09-14
Company: Real Time Group, Inc.
State: AZ
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:
In XXXX, Due to separation and divorce we were unable to keep or sale our home which resulted in a foreclosure with our home being sold at a Trustees sale in XXXX. As common with any foreclosure, the awarded sum did not fully cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charge off/discharged. In XXXX of this year, XXXX, I discovered via my credit monitoring site that Real Time Resolutions was coming after us for the deficient amount of the 2nd mortgage balance. This was very suprising and concerning as I had put this unfortunate event behind me as it had been nearly 5 years after the fact. In my panic, worry, and collection ignorance, I reached out to Real Time Resolutions and paid the sum they agreed to for settlement of the account. I am filing this complaint as I am currently trying to purchase a new home and due to how this updated on my credit and impacted my credit standing the the credit bureaus. Real Time Resolutions is a licensed collection company, not a mortgage loan provider. They used the exact account number as my 2nd mortgage servicer from XXXX for their collection tradeline which updated the mortgage to a current time negative status, which has voided my foreclosure seasoning to purchase. This is clearly a violation of the FTC 's FDCRA. Due to erroneous/deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Kriya Capital, LLC
State: NY
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:
Upon discovery after viewing my consumer report I see that XXXX XXXX & CREDENCE RESOURCE MANAGEMENT , LLC is reporting an alleged debt onto my consumer report. 
I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding CREDENCE RESOURCE MANAGEMENT , LLC cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XX/XX/2021 XXXX XXXX Monday evening. I received my Credit Bureau report in the mail from TransUnion as well as a documentation from XXXX  with them both saying my name wrong. My name is XXXX XXXX XXXX XXXX XXXX but for some reason they continue to send me things back to my home with my name wrong so I'm continuously going to be in contact with you because it seems like this is being done on purpose. Also I see that there is a collections through XXXX XXXX which is XXXX for the amount of {$320.00} I do not and I feel like this is fraudulent I want this to be deleted off my credit bureau report on TransUnion. This is not been my first time reporting this information about XXXX. Also I noticed that there is a multitude of inquiries that I did not perform and I will like them to be removed from my credit report. Also I noticed that there are telephone numbers on my credit report I would like them all to be deleted and I do not want any phone numbers on my credit report. This movie to my current address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Nevada XXXX XX/XX/2021 I have had to change my phone number five times because of identity theft issues from criminals who continuously think my home is there home every time I leave and then even have the nerve to take my phone number and put it to their records as if it's their home number and no one lives in my home but me. Also I received in the mail a letter from XXXX XXXX stating that I requested my information to be mailed to me instead of having it online which is a lie. I have continuously ask XXXX XXXX to forward my stolen brokerage mutual funds account numbers to me because they are stolen and have been stolen every since I built them as an employee what day yet continue to play with me and my current address with these criminals using my identity still. Now they're getting ready to start sending statements and whatever they've been doing to my home when I asked them not to I don't even want them to know my current phone number I do not call XXXX XXXX  I have changed my email address I have blocked the email address that they have on their I do not have any dealings with XXXX XXXX whatsoever.

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 2017-01-14
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a bill in the mail from American Medical Collection Agency stating that I had an unpaid bill from XXXX XXXX XXXX. They said the bill was from XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have never received an initial bill from XXXX. This company, that goes by the name AMCA, is threatening to take further action which will hurt my credit score. The letter they sent says that the amount they are trying to collect was n't included in my initial invoice. I should n't have a final notice from a 3rd party collector if I 've never received an initial invoice from XXXX. This seems to be a fraudulent company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: WI
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:
I attempted to send a certified letter to credit bureau and was advised that my dispute for remove was denied due to verification company that was used without my consent to send or receive any information or list to my credit profile. I requested item to be deleted and credit bureau declined my request. 

This is a violation to consumer reporting and I have been greatly placed at a disadvantage due to based on incorrect facts placed to 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 explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: OH
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 account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a retail installment contract i have had this wrong information I have a cfpb complaint number XXXX where they stated that i signed a retail installment contract this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA

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 2015-09-10
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I work for a company that has a debt collector calling them. I answer the phone here and do not have anything to do with the companys debt. The debt is from 2013 and I was not with the company. They refuse to take my name off of the debt and threaten to take action on me and not the company because the company who gave them the debt to collect gave them my name. They have my name because I answer the phone. They call here everyday harassing me at work asking for me. the person who owns or sponsors the company is out on business and not available to contact them. Calls are continuous and are harassing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation