BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: NRA Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband spoke as a representative to XXXX at National Recovery Agency where she proceeded to tell him if we set up a payment plan they would not report to credit agency. Two days after payment they reported the debt. When I called in XXXX XXXX ( XX/XX/12 ) informed he heard said call and they can still do it. I have asked to hear call with no luck. XXXX at extension XXXX is now claiming he will only help if I pay full amount. Lying to collect money.

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 2019-10-15
Company: AMERICAN ADVISORS GROUP
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/XXXX my husband and i applied and were granted a reverse mortgage from AAG. On XX/XX/XXXX my husband passed away and I informed AAG in a timely manner. They sent me paperwork to fill out to stay in my home as I am considered a NBS ( non borrowing spouse ). I took all the pertinent paperwork to my attorney and he had me execute the Non Borrowing Spouse Certificate, Administrators short certificate issued by the XXXX county, New Jersey Surrogate on XX/XX/XXXX ; Death certificate for my husband, XXXX XXXX XXXX, True copy of Administrators deed for the property in question and true copy of transmittal letter to county clerk. I was told by AAG that they had to receive all these  documents within a 90 day time frame. All the above documentation were sent by fax and USPS by my attorneys office on XX/XX/XXXX. By XX/XX/XXXX of this year, i discovered an appraiser was looking for me : they told me to call AAG, which I did, they then told me they had not received the documents in time and i was going into forclosure. I went to my attorney and he spoke to AAG and we discovered they had received the documents on XX/XX/XXXX, so we thought the problem was solved. I received another call from AAg today, XX/XX/XXXX telling me that an error was discovered and they were now proceeding with forclosure. AAG claims my attorney, who has been practicing law for 30 years, left out certan wording and that made my claim null. I will be speaking to my attorney first thing tomorrow morning and wewill decide how to proceed from here, but both he and I have found AAG to be deceitful, obtuse and in general a terrible lender. Therefore, regardless of the outcome of my case, I would like to file a formal complaint against AAG for harrassment and deceitful practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, please see documents attached for more details. I hope you can help me.

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 2023-08-03
Company: EQUIFAX, INC.
State: NC
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 Bankruptcy 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TN 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 2023-08-03
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-05-23
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two XXXX credit card debts. 

One is XXXX, the other is XXXX... proximately. 

The issue I have is that during the past years, they have sent me several settlement offers which I have accepted XXXX times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). 

This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. 

This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything. 

I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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 sent two certified letters to Experian on XX/XX/2019 and XX/XX/2019. I am attaching the two letters along with the proof that the US post office delivered these letters. The accounts with XXXX XXXX, XXXX, XXXX XXXX   and XXXX XXXX are not mine. I have requested an investigation and the proof that these debts are mine and Experian has failed to provide the evidence of these debts and has failed to delete these accounts from my credit report. Experian has failed to conduct a reasonable investigation and failed to provide to me the evidence provided to Experian that these accounts are mine. According to the Fair Credit Reporting Act, if Experian can not provide proof of the debt to me, it must delete these accounts from my credit report. I have not received any evidence from any of these debt collectors that these accounts are mine. These debts are impeding me from purchasing a 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
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion has violated many consumer laws. 
The first one being PERMISSIBLE PURPOSE TRANSUNION did not and do not have permissible purpose to post anything to my consumers credit report without my WRITTEN CONSENT. No consent is identity theft! 

TRANSUNION has also committed AGGRAVATED IDENTITY THEFT. TRANSUNION willingly and knowingly took information from a third party other than myself and reported to my consumers credit report. VIOLATION! THEFT! FRAUD! A CRIME! 

I have reached out VIA certified mail with return receipt numerous times to rest assure that TRANSUNION have received my demand to immediately remove XXXX XXXX XXXX and any other hard inquiries that is on my consumers credit report. Any hard inquiry thats on my consumers credit report and for every hard inquiry thats posted to my consumer credit report is {$1000.00} a piece for each party responsible! I am the original creditor and I am the only one who dictates what goes on my consumers credit report! 
TRANSUNION has also broken their own written policy rules! After 30 days, after their investigation I have not heard anything from TRANSUNION and from that point on everything that I demanded to be removed shall be removed. TRANSUNION failed to do so! 

TRANSUNION has also lowered my score XXXX points. Why did Transunion do that? Because youre taking information from someone other than myself, believing thats its accurate and report it without second thoughts. 

Another consumer law that XXXX has violated is Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

TRANSUNION is a credit reporting agency right? So where is my privacy as a consumer? Again, I am the only one who dictates what goes on my consumers credit report. 

A copy of this will also be sent to the attorney general, TRANSUNION, XXXX and more! Everyone thats responsible for this FRAUD, THEFT, SCAM etc will be held accountable. 

TRANSUNION isnt the government. In fact, they are just a regular LLC. An LLC whos willing to commit numerous of crimes and break numerous of laws ( even their own ) just to become successful.

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 2023-08-03
Company: EQUIFAX, 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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US Bank is reporting inaccurate information on my credit report by the fact that each bureau is reporting different monthly payment amount. Information is not matching and is not accurate.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: TN
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:
1.DEPT OF ED {$9300.00} UNVERIFIED/INNACURATE 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681b ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: AL
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 XXXX  Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Old information reappears or never goes away

Complaint:
I contacted Experian by Certified Mail on XX/XX/21 regarding an account, XXXXXXXX XXXX XXXX Account Number : XXXX that I disputed due to Identity Fraud. Experian DELETED the fraudulent account on XX/XX/21 but reinserted the account on XXXXwithout notifying me first in writing. According to 15 U.S. Code 1681i ( B ) - Requirements Relating to Reinsertion of Previously Deleted Material- if any information is deleted from a consumer file, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also, if any information that has been deleted from a consumers file is reinserted, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. This law states that the furnisher must also provide the consumer with the business name, address, and telephone numbers of the furnisher that contacted the consumer reporting agency, in connection with the reinsertion. Experian has failed to notify me of the reinsertion within 5 days, they have failed to certify that the information is complete and accurate including sending me the requested documents/proof they used in their investigation to validate the disputed account, and they have failed to provide me with the furnishers name, address, and telephone number. As a consumer I have the legal right to know why this account was reinserted on my credit file, I have the right to be provided with the documents/proof Experian claims to have that verifies/validates that I am responsible for this debt.

Experian is in violation of the FCRA. My rights as a consumer have been violated, and Experian should be held accountable for their negligence and willful disregard for Federal 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 2023-07-26
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:
On XX/XX/2023 I was placed for collection ( {$19000.00} ) from XXXX XXXX XXXX. 

It's not me, I never rented a house from the creditor XXXX  at XXXX  XXXX ( Rent/Lease ).

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 2020-02-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased furniture on XX/XX/XXXX from Ashley furniture with an agreement to pay equal installments over 18 months with no charge of interest. [ Ashley Agreement attachment ].

As soon as the account was set up I scheduled 16 monthly payments of {$120.00} each  to pay on the XX/XX/XXXX of every month so I was sure to have the total balance paid off prior to the 18 month agreement. [ 16 payments XXXX XXXX  Online billpay attachment ]. The first payment paid prior to the statement due date. 
Electronic statements were sent, however since I could see the payments being automatically dispersed by my bank, I did not study them. 
When I received notice from the bank that my last payment was about to be sent at the same time I received a statement indicating I owed $ 800+ on the account I called the company. [ XX/XX/XXXX statement attachment ] I first spoke to an account manager and told her I had paid the account on a regular basis and should not have to pay the late fees or interest charges because I made payments every 30 days. She would only rescind three late fees. I spoke to her manager and was told the same thing.

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