BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX account ending with XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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 late for any purpose Remove these late payment and update this account Immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts currently listed and showing on my Experian, XXXX and XXXX XXXX credit report are not my accounts : Bank XXXX XXXX XXXX XXXX XXXX, balance : {$330.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$330.00}. I never applied for or received any credit card from XXXX XXXX XXXX  XXXX XXXX or XXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my Experian and XXXX   credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/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 2020-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried disputing the incorrect information online in XXXX after I got letters online stating the addresses were removed but when I go back to the website the address are not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018, I applied for credit at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA., XXXX through Equifax to finance tires and XXXX was the one that ran the credit report ( XXXX ) XXXX. What I understood her to say was that I didn't have enough credit but found out on XX/XX/2018,  that Equifax reported I had no credit score whatsoever. I asked my mother to co-sign and she did in XXXX, CA., at another location which everything was faxed to the XXXX location. My mother 's score ended up being reduced because it was a hard inquiry which never would have happened if Equifax had reported my credit score. My credit score is high enough to get the credit on my own. Your company has inconvenienced me and my mother when none of this should never have happened. XXXX at XXXX had all the current information with correct social security number, PO Box number , street address, phone number, and income etc. My credit score shows minus the hard inquiry which went from XXXX to XXXX on XXXX XXXX. My mother will be making her own dispute to the hard inquiry when it wasn't necessary for her to be a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: DE
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 contacted Equifax several times before XXXX XXXX. I explained to them how they needed to verify the items that was on my report. Once a FTC letter was carefully reviewed they removed THREE items on my report. They failed to send me documentation that items were removed 1 : Bankruptcy # XXXX XXXX : XXXX XXXX # XXXX 3 : XXXX XXXX. 

Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) 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. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Only a consumer can validate a debt 15 U.S Code 1692g. I have suffered from Equifax 's gross, negligent and willful behavior. These injuries included and not limited to being denied for credit, deformation of character, loss of business income, denied for mortgage and mental anguish,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Cornerstone Home Lending Inc.
State: FL
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 just paid off three loans with Cornerstone administered by XXXX. XXXX is IMPOSSIBLE. They refuse to help with anything. I send a message and they basically respond saying, " we don't care. we can't help you '' and they close the case so you can't even respond. 

They reported all of these accounts as CLOSED instead of satisfied. This my credit score dropped 40 point. I have asked them to fix it and they won't even address the issue. 

XXXX SHOULD NOT BE ALLOWED TO ADMINISTER LOANS. They are the worst I have ever dealt with in 40 years of buying properties

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All 3 credit reporting agencies are in violation of my fair credit rights, they are reporting late payments 15USC168a ( 2 ), invalidated charge off and collection on my reports, as well as refusing to remove old address from my report, I have filed a complaint with FTC and will continue to do so until the violation are removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Collection Service Center, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Name of Collection : COLL SVC CENTER Opened : XX/XX/XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to my State Attorney General Office and The XX/XX/XXXX to have confirmation of proof if you respond without the proper validation request or not in the timeframe you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I noticed an inaccuracy on my credit report. I am not liable for The XXXX XXXX XXXX XXXX. This account is not mine. I did not signed into a contract with them. I have a right to privacy. Any credit reporting agency can not furnished an account without my written permission under the FCRA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2019, I, the consumer ( XXXX XXXX ) pursuant to 15 usc 1692a ( 3 ), filled out a credit application using my credit which is my social security number pursuant to 15 usc 1602 ( l ). When I signed the credit application that authorized XXXX XXXX XXXX to my credit thats when they became a creditor. The finance manager, agent of XXXX XXXX XXXX, never informed me on the use of my credit which 15 usc 1601 requires any financial institution or firm to inform the consumer on the use of their credit. The finance manager used a deceptive form pursuant to 15 usc 1692 ( j ) which is the retail installment contract to deceive me in thinking I was getting a loan ; when that was never the case. After I signed the retail installment contract which is the promissory note that is backed by my credit, XXXX XXXX XXXX did what Federal law defines as a credit sale pursuant to 15 usc 1602h. XXXX XXXX XXXX sold my credit to JPMorgan Chase Bank because pursuant to 12 usc 1431 banks can only borrow securities. XXXX XXXX XXXX has violated my federally protected consumer rights under the Truth In Lending by taking a cash down payment when a finance charge is the sum of all charges and by not disclosing my insurance options or my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good Morning I had this problem last year and it was resolved, however I am having the same issues this year and I am trying to find a permanent resolution to this problem. 

My income tax check of {$6000.00} is being offset unlawfully. I have received no notification of money owed. I complete the public loan forgiveness forms annually, and last year when my taxes were offset. I called and the error was fixed and I received my money back. 

This time around I called the US Department of Education to find out what is going on. I was told I owe {$45000.00} ( impossible ) I asked when documentation was sent out in this regard. I also asked why my records don't reflect this balance. I encountered a rude customer service rep that wasn't helpful at all. 

To my understanding funds will be released wednesday so there is still time to correct this error. I need someone to please contact me so that we can get this straightened out as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When applying for a refinance on my auto loan the company I applied through only checked my XXXX report. Which was frozen. I Was told they would be checking Experian therefore I had lifted my freeze For XXXX days with Experian. XXXX days following this incident I took a hit to my credit score with Experian due to a hard inquiry during that time period. Upon checking the name of the company listed on the inquiry it was not related to the application for refinancing. I called the phone number listed for the inquiry and spoke with what I found out to be a credit union that could not explain to me why they had an inquiry listed on my credit report. So I proceeded to move forward with a dispute through Experian for what I assume to be a mixup. I explained the situation to XXXX different representatives from Experian both of which insisted that I proceed through the fraud department which I felt was extensive and a waste of time and resources. But due to the drastic change of my credit score and no other options I spoke with the fraud department and explain the situation. XXXX told me that he could not tell me The information that he had but he could not dispute that inquiry and then I was out of luck and proceeded to ask me if I had any other inquiries I wanted him to dispute. I continue to ask what my next option would be to have it removed and he said to call the company in which I had repetitively explain to him I already had. I told him that if this were the case then indeed it would be identity theft and to proceed with that plan. XXXX told me that he could not do that either. He told me that I was stuck with us even though we had no answers to why I had it other than the information that he apparently had about the inquiry and would not give to 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 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX business practices to start. On XX/XX/23 I purchased a cheap sofa and 3 mattresses from a little shop in XXXX XXXX Ca. The shop owner advised he could finance the entire amount and all he would need is {$50.00} down. I was unaware that he was putting me in not 1 but 2 very high interest loans. He did explained it was for a 12 month period but he never said how much the payment would be. He pretends to be soft spoken and kind but he is a hustler and the worst kind, he prays on the poor. He creates an environment of chaos, acting confused and flustered stating he was late for church and continually looking at his phone. He also had multiple customer purchases going on while he was inputting my information making it difficult to ask any questions. One of the loans he put me in for {$1200.00} has a {$230.00} with an ending repayment of {$2800.00} after 12 months and the other one is for {$1000.00} with a monthly payment of {$140.00} and ending repayment of {$1700.00}. Ive already made 4 payments on each loan and this is just crazy. That I cant afford to keep paying on these loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: WI
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 a Method of Veriication letter to Experian on two seperate occaisions XX/XX/2021 and also XX/XX/2021 both came back stating " the company that reported the information certified to them the information was accurate ''. No more explanation no names addresses or phone numbers of who their furnisher is so I have no means of believing they investigated nor contacted anybody or industry to assure that the information was given to them by the actual division I am sending all correspondence with this and would like you to see if you can get what I have requested.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: FL
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:
To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter

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 2023-05-24
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation