BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: WA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/2020, I received an email from GE Capital regarding the alleged debt, in the amount of {$980.00}, for an online payday loan. The email stated my SSN was placed on hold by the US Government and I needed to resolve the matter. In addition, it listed four allegations the XXXX XXXX XXXX XXXX would take against me if not resolved within the specified timeframe. The email further urged me to inform my employer of what was done and the consequences once the case was executed in my name. Not only did it request I inform my employer, it stated that they could report this information to my employer, the FBI, and FTC. It gave me 48 hours to make contact with them, however, provided no telephone number or address for contact. Lastly, the email mentioned the United States of Attorney and lists the sender as the Senior Investigation Officer for Department of Law and Enforcement. 

I am unaware as to what this debt is or the time period it is said to have occurred. This is the only email I have received regarding this " debt '', and to my knowledge, I have not received any telephone calls. I responded via email, as this was the only form of communication given.

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 2023-06-23
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
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 have tried for several months to have late payment reporting on 11 student loan accounts that Mohela then XXXX XXXX XXXX hold. There are a total of 99 late payments on my credit report from XXXX through XX/XX/2018. It has caused tremendous damage to my score. I have disputed this with Mohela, and all credit reporting agencies and it continues to be seen as accurate. It is not, I requested information on forberance and deferment history from Mohela and it shows that I was in forberance at the time of late payments. They still failed to update or remove information and report it as valid, the credit bureaus has done the same, even though I've sent information showing it wasn't correct. I have requested valid paper work, from Mohela showing that I wasn't on a deferment or forbarbance before late payment started, that would have caused it to be past due and seen as accurate but nothing, stating that XXXX XXXX correspondence is something that they do not have. I just do not believe that I would have let 99 late payments hit my account, affecting me in this way. So I requested proof from Mohela, and was emailed though there portal a generic email from a case supervisor stating that after deferment supposedly ended I let it almost go in default and a administrative forberance was placed back dating Loan and the late payments remained valid and they don't do good will credits. Unbelievable I would never, and what good does it satisfy, my credit is worst if not the same from late reporting. It hard going against Mohela using their information that shows different with history report. But they can't furnish the history on administration forberance that I agreed to during that time. Only saying that's what happened with XXXX XXXX and it'll remain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : SPRINT ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: MO
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:
Case # : XXXX On XX/XX/2021, I sent a dispute via email to Experian business regarding an incorrect balance of {$100.00} that has been reporting to my business credit report since XXXX. I've contacted every vendor reporting to my Experian account and everyone stated I do not owe a balance. I've attempted to contact Experian Business multiple times with no solution. I do not believe my complaint has been investigated.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to express my profound dissatisfaction and concern regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well-being and personal security. 

I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. 

I have submitted all required documentation, affidavits, and police reports, consistently followed the appropriate procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. Additionally, I expect a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: National Credit Systems,Inc.
State: MI
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:
I don't owe anything to NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The original mortgage ( Huntington National Bank ) was sold on XX/XX/2004 the lender has sold servicing rights to the loan to another company to service the loan.. Huntington National Bank has not release or transfer the account information to the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: NY
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:
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are reporting date filed on XX/XX/2015, while Equifax is reporting the date filed as XX/XX/2015. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and Equifax reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well. 
Certified mail Tracking number XXXX mailed to US Bankruptcy XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, 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:
In accordance with the fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681.

1 ) XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 15 U.S.C 1681 Section 602 A States I have the rights 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 following items of information 's, any other adverse item of information, other than records of conviction of crime which antedates the report by more than XXXX years. 
15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable causes to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, XXXX  XXXX  XXXX  ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX  and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on 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 2023-01-24
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I just read that credit karma was sued for saying that I would be approved for credit and when I tried to get approved for a credit card I was denied because of my credit score I also tried to get a loan through credit karma and was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Bull City Financial Solutions, Inc
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeadly calling me, and nobody will be on the line for several seconds after I answer, then they ask for someone who is not the owner of the phone. I tell them this, ask them not to call again, abd then I get another call. Eventually they must change their company name because they just keep doing the same thing from different numbers, some of the times I can not even get a business name from the people.. i can hardly even you my phone they call so often.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. why these items should be deleted are indicated below : Item # XXXX XXXX XXXX Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your 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 non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: IL
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 sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Nelnet, Inc.
State: FL
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:
Have been making payments on my loan each month timely and making extra payments that have not been put on the principal of the loan have reached out to the company nelnet multiple time and haven't gotten a answer to what my payments are not being applied correctly. My interest rate is 5.5 percent on loan and when I spoke to them on XX/XX/XXXX again when I received my last statement in mail they took XXXX dollars of my payment and put on intrest and only put XXXX on my principal and when I explained that this makes no sense they didn't have a explanations for me. Also last year they took XXXX and put on intrest, but they said my interest only adds up to about XXXX a day so when I told the young lady I was speaking with to add it up with me that only adds to about XXXX a year so how can they legally take 4 time that for intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Atlanticus Services Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of XXXX This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX  reporting standards and this account removed upon completion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation