BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX has wrongly reported a balance on my Experian credit report for {$5200.00}. I disputed this account multiple times, the most recent times being XXXX and XXXX XXXX 2021. Both times I sent proof of the account being settled and as a result XXXX and XXXX has removed XXXX from my credit report. Experian continuously sends me a letter when I dispute this account saying, XXXX has verified the account but doesn't provide any additional facts I asked Experian to investigate. I need Experian to do a full investigation with XXXX and remove this wrongly account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: The CMI Group, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a victim of identity theft and data breach. I continue to receive a natural consequence of which to harass, oppress, and abuse me in connection to collection of a debt that has been paid and with others that have already been removed from my credit report by law as negative reports should drop of from an individuals report after seven years and no longer considered in the score calculation. 

The creditors has continue to take false representation or implication that the individual is an attorney and that he communication is from an attorney and has used false representation and deceptive ways to collect information regarding me. And in addition has used business, company and organization names of the debt collector 's businesses and companies by false representation and implication that the accounts have been turned over to innocent purchasers for value. 

The abusive creditor has also rejected usps certified mail that i have sent inquiring regarding getting my requested information on these improper dates that have been resolved and continues to call me nonstop in a extremely harassing and abusive way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: MA
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 had submitted a complaint about XXXX XXXX with your company back in XX/XX/XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XX/XX/XXXX. Upon pulling my credit report Equifax is showing that I have two accounts with XXXX ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XX/XX/XXXX. I submitted a dispute with Equifax over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with XXXX changed again on my XXXX  report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XX/XX/XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that equifax has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I did not receive a expected deposit. I was told the deposit was tried. I was told the deposit would come from a citizens bank in XXXX CT Same bank different location. 
Beneficiaries are not required unless it is a trust account. 

The Bank is not required to and does not accept a wire if an account is not established in the name of the beneficiary. Bank records confirm, Citizens has not received a wire of any amount listing you as the beneficiary. Should the bank receive a wire listing you as the beneficiary, the wire will be returned to the initiating bank if an account with Citizens has not been established. I hope this correspondence has addressed any concern you may have had regarding this matter. Please be assured Citizens commitment is to provide you with the highest level of customer service and consistently exceed your expectations. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX  until XXXX XXXX  Eastern Standard Time ( EST ). Respectfully, XXXX XXXX XXXX Office of the Chairman CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX sold my loan to Fay Servicing. I pay through online banking. Apparently the property taxes caused my mortgage payment to increase which I was unaware of. The loan was taken over in XXXX by Fay Servicing. I discovered the error later in XXXX. I asked Fay what needed to be done to fix the problem and they refused to fix it. I made a payment each month from XXXX through current month. I spoke with an agent in XXXX but they agent falsely assured me things would be okay. Fay Servicing encouraged me to file mitigation but all they are doing is requesting more and more paperwork and refused to work to fix the loan. They are only interested in getting the property and making money. I have made several attempts to resolve the problem. I asked how much I needed to pay to bring account current, etc. and no information is given. They also refused to respond to me in writing. They will only contact me via phone or pre-made collection letters that are sent to all parties. This company preys on the consumer and has not interest in helping those that are truly interested in fixing the problem. This company also sent out letter stating that they sell my personal information to anyone they so chose without my express permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Nelnet, 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: Account status incorrect

Complaint:
Within the years of XX/XX/XXXX and XX/XX/XXXX, I submitted a request to be placed in forbearance and or deferment because of my XXXX STUDENT STATUS. 

The request was received and therefore approved because of the acceptable documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
IN REGARDS TO ; CAPITAL ONE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX. I FILED FOR A LATE PAYMENT VERIFICATION OVER THE PHONE AND THRU CERTIFIED MAIL AND BOTH TIMES CAME BACK AS VERIFIED ACCURATE. WHEN I HAVE MADE ON TIME PAYMENTS AND NEVER MISSED BUT CAPITAL ONE CONTINUES TO REPORT INACCURATELY I 'VE ASKED THEM SHOW ME PROOF OF AND VAILDATE THERE LATE PAYMENT CLAIM WHN I PAID ON TIME AND NO RECORD WHEN I HAVE ASKED TO SEE HAVE THEY SHOWN ME. IM SO UPSET THAT I KNOW NO OTHER REMEDY BUT TO FILE A COMPALINT ABOUT THIS SITUATION, APPARENTLY THEY HAD A SYSTEM GLITCH AROUND THAT TIME OR A HUMAN ERROR WAS MADE ON THERE PART AND THEY WILL NOT REMOVE THE LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I got the new Synchrony XXXX credit card in XXXX and earned {$960.00} in rewards for purchases with their double cash promo and they closed my account and will not give me the rewards. They said I was a risk for not paying my bill but I only owed {$69.00} at the time.

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 2015-04-06
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
THIS IS WRITTEN NOTICE TO AFNI THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAL TIMES FOR PROOF THAT I HAVE A LEGAL OBLIGATION TO PAY YOU AFNI. THIS ALLEGED ACCOUNT HAS BEEN ILLEGALLY DISPLAYED ON MY CREDIT REPORTS ( XXXX, XXXX, AND TRANSUNION ), AND IF VERIFICATION CAN NOT BE MADE WITHIN THE 30 DAY TIME FRAME ALLOWED TO AFNI BY LAW. THE DISPUTED ITEM LISTED IN MY DISPUTE MUST NOW BE COMPLETELY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 
AS AFNI IS NO DOUBT AWARE THAT THEY HAVE EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITING OF ANY CLAIM. AFNI HAS FAILED TO REMOVE THIS INACCURATE ACCOUNT INFORMATION, AND THIS UNVERIFIED INVALIDATED INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Dream Center Education Holdings
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My name is XXXX XXXX and I 'm contacting you because I like many millions of other college graduates that are suffering in Student loan debt -especially from a For-Profit College that defrauded all of its students- wish to complain about XXXX and EDMC. 

Recently there was a Federal lawsuit against the Parent company ( EDMC ) of the college I attended ( XXXX XXXX of XXXX ) from XXXX graduated with XXXX and over {$80000.00} in debt. Its Parent company EDMC was sued for fraudulent practices/recruiting/using federal aid for CEOs/Shareholders/recruiters bonuses instead of helping students, predatory lending practices, stealing GI Bill money from students, etc ... and they won {$11.00} XXXX dollars from EDMC. 

I was lied to about their job placement numbers as well as the true total cost of my so-called quality education. Also they were predatory in recruiting and they pressured me into keep signing for more student loans, federal and private. The education I received there was sub par at best and I feel was n't anywhere near worth what it cost to get my soon to be worthless degree. The lawsuit money that was won should go to the students who are the real victims not to the government for more wasteful spending. It should go to the people, this country was built upon a government for the people by the people, not for the wealthy or for the money by the money. I have almost all my records while I attended XXXX XXXX of XXXX. 

We want the settlement money to erase all our student loans as well as have all money refunded that has been paid on the grounds of the fraud the schools committed based on the judgement in the US Government lawsuit. Below are links to the site for the petition about the lawsuit and the debts former students are drowning in along with many other source sites. Many of us have begun to contact elected officials, State Attorney Generals, and looking into going after them. 

Now EDMC is closing most of its schools throughout the country and just as the XXXX XXXX closures opened everyone 's eyes to the thousands of people drowning in debt from attending this fraudulent school that should receive refunds as well as all student debt erased based on everything that has happened. 

Read the comments listed on the site with the petition and you will see what I 'm talking about. This money should go to all of us who are still stuck with this debt from a school that played us all for fools. 

Thank you for your time. 
XXXX XXXX Below are links for almost everything regarding EDMC/XXXX. 
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX Acct # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

I found that I am subject to my privacy as a consumer and I have not been convicted for any crime of these reporting accounts.

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 2017-08-14
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: Old information reappears or never goes away

Complaint:
There is a derogatory remark on my credit report that involves a tax lien that has been released. The tax lien was reported to the credit reporting company in XX/XX/XXXX. The lien was resolved and released through the filing of a previously missed tax return several years ago. The credit reporting company shows the lien as released but the derogatory remark regarding it remains on my credit report as of today, XX/XX/XXXX. I lodged a dispute with Equifax earlier this year but I have not heard back from them. I have not lodged a dispute with XXXX, believing the derogatory remark would be removed due to its age. However, the derogatory remark remains on both credit reporting reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Franklin Collection Service, Inc.
State: TX
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:
Requesting back up from Franklin Collection service Clearly they just purchased this debt from another collection agency that was recently removed from my credit reports due to not providing the information to verify this debt. 

As stated in the attached letter- I am requesting detailed back up for the {$230.00} debt that is being reported on my credit report If you can not provide back cease all collection attempts and report from my credit report AGAIN immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collection notice from Midland Credit Management regarding amount owed to XXXX XXXX MCM Account number ( XXXX ). I have never had an account with this agency. I sent several letters to Midland requesting that debt be verified. Midland response did not provide proof of debt. The company could not provide any legal documents bearing my original signature on application with the company binding any legal obligation. I did not give permission to any creditor for my HIPPA information to be sold from to a debt collection agency. I have requested that Midland Credit Management remove this negative item from all credit reports as derogatory debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company has responded to the complaint # XXXX. In a letter sent to the company XX/XX/2014, I notified the company that their claim was disputed. 
In the same letter, I requested that this company validate a debt for which they say I owed. I requested that the company provide me with competent evidence that I have any legal obligation to pay. I asked that they please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

To my request, the company responded with a debt collection letter from a company. In that same letter, it changed the dollar amount to a handwritten amount. 

The company did not validate the dept. It did not prove the Statute of Limitations has not expired on this account. It did not show me that they are licensed to collect in my state. It did not provide me with its license numbers and Registered Agent. It did not explain and show me how it calculated what I they say I owe. It did not provide me with competent evidence that I have any legal obligation to pay them. 

I do not know who this company is. 

This company has knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Public record information inaccurate

Complaint:
I was divorced in XXXX and as part of the divorce our house XXXXXXXX XXXX XXXX XXXXXXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from XXXX and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from XXXX XXXX  and they are not doing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that XXXX XXXX has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and XXXX XXXX has destroyed it.

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