BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: The CMI Group, Inc.
State: NC
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:
I got an email from a creditor that said they were closing my account due to default payments on credit report. I was unaware that it had been on there as I was never notified... phone call/letter. Knowing the new laws in place I placed a call to Credit Management LP. Spoke to supervisor. He said they sent a letter but didnt know dates or times. I asked if they called me and he then asked if Ive changed my number but couldn't answer yes or no. I asked them to remove it and he tried to send me to their legal dept. Im not an attorney so what do I need with them. Any help with this matter would be greatly appreciated. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient has been reporting late payments on all 3 major credit bureaus. I know for a fact that they were deferred. I have never faulted on my student loans. Yet, Navient has reported late payments between the months of XXXX through XX/XX/XXXX on 5 of my student loans. I 've made attempts to rectify this error but have been completely ignored. I 've sent 4 certified letters on XX/XX/XXXX and received no resolution. Although all my accounts are paid and closed, this major error is affecting my credit worthiness. I just do n't understand how they are allowed to stay in business and do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to avoid default. I spoke with Navient several times about getting payments that I could afford since I have several student loans. They wanted a payment that was beyond my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been repeatedly called by Transworld systems Inc. at XXXX and XXXX days in a row. I have XXXX debt for them to collect on. All of my debt is paid and up-to-date. So theres no reason they should be calling me and there is no reason they should be calling me so early in the morning either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: National Credit Adjusters, LLC
State: TX
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:
Hello my name is XXXX XXXX I am submitting a complaint today against the company national credit adjuster. 
Recently I was informed of a new or updated account in my credit report. 
This file I have researched to be a collections firm operating on behalf of XXXX XXXX a payday loan comp. 
The issue is that the report states it is starting on XX/XX/XXXX as well as another one on XX/XX/XXXX of this year. The original loan I believe was issued in XXXX or XXXX. 
Also the loan amount was for {$500.00} and the reports state XXXX a piece. 
Also there is no way I could have done anything regarding a new loan as the only original loan was in XXXX TX and I live in XXXX XXXX TX. And have been for 5 years Also it's my understanding that the firm in question is under restrictions from the consumer finance bureau regarding these exact practices. And I'm not a lawyer but when notified by XXXX  I was informed I could dispute the claim and they would investigate ; instead I receive a notice stating everything is correct suggesting I had provided information or documents regarding the matter this is completely false I was never offered a chance to provide info other then claiming a dispute Wich they said they would handle completely. 
Now I'm sure this is all legal somehow, But I can't help feeling as if my consumer finances are not being properly handled by either So in fact I would like to go on record as submitting a complaint against XXXX  as well cause it seems to be very one-sided about this and I'm sure it's not the first time. 
In our current scenario of mass unemployment and a recession I hardly think loopholes and working the system to keep folks in debt is hardly the American way. I could be wrong. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: KEYCORP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two accounts from key bank on my credit report. Key bank sold the debt to XXXX XXXX XXXX but I just received a response from mercantile that says they havent had the debt since XXXX. Now it appears that key bank is just reporting it on my credit report without just cause to do so. This debt is also from XXXX so it shouldnt be on my report whatsoever. When it was sold to XXXX XXXX XXXX, I was being called and harassed all the time. On top of that, now the debt is just given to someone else? Terrible business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I seen inaccurate information on my consumer report and I tried to delete the accounts which I have attached to the letter. When I submitted the accounts to be deleted from my consumer report, the investigation results came back verified without any proof.

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 2022-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have previously disputed this item with XXXX and Equifax and I verified the item as accurate I have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to me or any credit bureaus for that Matter, Therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611I ( 15 U.S.C. 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ XXXX  I sent a debt validation letter to CREDENCE RM XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that CREDENCE RM have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy. 

Re : Account # XXXX Please remove it from my credit report. I respectfully request to be provided proof of this alleged item, specifically the contract with me and your company CREDENCE RM, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all consumer reporting agencies who have received a copy within the last six months, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX XXXX Zero out the balance on this account Deletion from all consumer reports. 

Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
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: Problem with personal statement of dispute

Complaint:
Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided one to them. This statement has not been posted.

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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
A request for a lien release was faxed into Capital One at the number they supplied, XXXX on XXXX XXXX of 2017. According to their website XXXX XXXX XXXX XXXX XXXX XXXX, the release should have been sent within 2 business days. Around XX/XX/XXXX I called to check the status, the representative stated that the release had been mailed on XX/XX/XXXX or XX/XX/XXXX. Around XX/XX/XXXX I called again to check the status and was told it would take up to 30 days for the request to be processed and the release to be mailed.
On XX/XX/XXXX I called again to check the status having now received multiple stories. A supervisor stated that this loan was under a different set of rules than what is published by Capitol One and that the 30 day window was correct, though I can not find it anywhere. Capitol One now states that XX/XX/XXXX they received a fax ( possibly from XXXX who had previously held the loan ) and that the release had been shipped out on XX/XX/XXXX, though as of XX/XX/XXXX no letter has yet arrived. As it stands, Capitol One has agreed to XXXX the release which should arrive no later than Monday, at this point I 'm not hopeful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TD BANK US HOLDING COMPANY
State: VT
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: Problem with personal statement of dispute

Complaint:
TD BANK  USA/TARGETCREDIT  Address :  XXXX   XXXX   XXXX   XXXX , MN  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....     I was currently flagged on my credit score/report for having a late payment from Target. I have reached out to the company to please contact the credit agencies since I never received any statements via email and/or mailing of a remaining balance on my CC ( which was only {$77.00} ). I have over  22  accounts in perfect standing, on time payments which far exceed the amount due to target. I immediately paid the balance due to target once I was alerted from a service I belong to on  XXXX . I feel as though Target should take the responsibility for not sending me the consumer any late payment warnings, no notifications and literally no monthly statements via email/mailing. I am signed up for both services and they have ALL of my contact information. I feel as though it was intentional to generate for late fee cost at their benefit. I 'm looking to having this negative taken off my credit report for in good faith I paid the balance immediately and for the companies lack of communication to me as the consumer. I should n't be penalized for 7 years on my credit report/score for their lack of notification and bills being sent to a consumer.     Thank you in advance  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Coastal Financial Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  Coastal Financial Solutions . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between   XXXX   XXXX   after I have told them in the past to never call me at my job.

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 2017-06-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started a modification last XX/XX/XXXX. I did n't have pay for XX/XX/XXXX..XX/XX/XXXX.. I paid XX/XX/XXXX XXXX I went to the notary to finish paperwork. She mailed it for me. I did n't think to make copies. Two months later the claim they did n't get it.. That XX/XX/XXXX. They told me to start over. They would not let me make any kind of payment in the mean time. I did not pay XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>I filled out the paperwork again and faxed it this time. Again two months later they stated they never received it. Now I ca n't refinance because of the payment gaps. And they are going to foreclose on me. I have lived here for 21 yrs, I do n't know what I can do, if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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: Public record information inaccurate

Complaint:
I recently received my XXXX Consumer report that shows that there is no Bankruptcy in my public records. XXXX/EXP/XXXX all report they used XXXX as their method of verification for verifying this Bankruptcy that is listed on my credit report. Since I have proof that it is not there I ask that this public record be removed immediately.

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 2020-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 debts from Portfolio Recovery on all of my credit reports. I have tried through all credit agencies to request corrected information. Unfortunately, these agencies as I understand it, only confirm that the collector SAYS it's my debt. I want the debt confirmed with some documentation because I do not believe its mine or could be accurate. My father added me to accounts he had when he was sick and I was his caretaker. This was so I could shop for what he needed. I can not discern based on any info I see on my report that these are debts I personally had. I believe they may be accounts I was not a co-signer for but was added to the cards as a user only and I believe I would not have responsibility for his debt. 

I do not have any known accounts within the 7 year time frame or with the companies listed. I initially requested dates to be confirmed which I never received any documentation of exactly what day I made any payments for any debt. 

1. Accounts are listed as XXXX XXXX  and XXXX. I have not had accounts through XXXX in over 20 years that I can estimate and not familiar with what XXXX XXXX is. 

2. I was a full-time stay at home care person for my father since early XXXX until he passed away in XXXX. That is how I am aware of dates when I became unable to pay any debts. ( I was unable to work in XXXX ). I had initially asked through credit reporting agencies to verify the information. Any final payments on any accounts I had personally were from before my time not working. I decided to dispute to clear up what the debts were and to get specific dates on any final payments made. 

I have repeatedly seen my credit accounts say ( consumer disputes ) and that's it. I have yet to see any documentation as to what these are and what dates they have assigned it being verified. My credit report states dates of XXXX which is not possible. 

I never even applied for credit anywhere after my father became ill because I was not working and my credit had already declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The hospital    XXXX   XXXX   XXXX   XXXX   erro neously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him  in ER w as not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from  XXXX  County New Jersey  Court  case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a " one time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you

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 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Identity theft victim

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