BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have reached out to Experian, XXXX, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail.

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 2023-05-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/23. Here is my tracking numbers XXXX XXXX, Equifax XXXX, XXXX XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution are suppose to share my information with third party people. 

These are a clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had written to exqufix many time with a police report and affidavit that the debet is not mine. I gave the company ( Exqufix ) all the proof they asked for and more, still the company ( Exqufix ) will not do is right. The medical bills on my credit report is not mine, due to I.D . theft. I need you help and can you tell me how I can -sue- the company - Exqufix. Also all the ( hard inquries ) on my credit report is not mine, some tried to open credit in my name, i never gave anyone permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Me and my brother owed a apartment complex we stayed at. Right now it's hindering us from getting a place to stay. My mom called and payed off his remaining balance and asked can she get a letter saying that it's been payed off. The lady tells her " Oh we can't send you that until the other account is payed off because they are linked '' How are they linked? They accounts have 2 different account numbers. And his account is paid in full yet they haven't removed it from his credit. It's been over a month. I chatted online with a rep and was told I owe XXXX. Then she begins to tell me my balance is due in her office no later than XX/XX/18 or collection efforts will still continue. Then she changed the date to XX/XX/2018. I told her so she expects me to pay XXXX in 3 days. Then she says if it is in her office by XX/XX/2018. Then my mom called the other after a payment was taken out for my account. They proceed to tell her the payment was posted to my brothers account. She asked how in the world was it posted to my brothers account when his is paid off? The told her it would be fixed and his account will be marked as paid off. Then they told her my account balance was XXXX. But in the chat I was told XXXX ( which I have the chat saved for that purpose ) .The original creditor XXXX XXXX XXXX XXXX was just bought so shouldn't the debt be cancelled?

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 2023-01-01
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, 2022 I notice XXXX XXXX had removed {$120.00} from my account with Bank of The West. I called to dispute the charge as I HAD NOT authorized them to do so.I got the feeling the customer service rep was not interested in assisting me to dispute the charges, so I went to the bank on XXXX XXXX and spoke to XXXX. She disputed the charges for me and we destroyed the old ATM card. 
To my surprise, Bank of the West then authorized XXXX to remove the {$120.00} AGAIN from my account saying based on XXXX 'S TERMS they did so. This is absolutely ridiculous. If I hadn't checked my account, I would have not known. This is XXXX and Bank of the West is allowing XXXX to happen to customer 's account because they are accepting the merchant 's lies. So their customer 's don't matter, just the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR ACCOUNT : XXXX XXXXXXXX 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 RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAVALRY INVESTMENTS, LLC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I notified XXXX that my credit card had been lost. 2 weeks later I paid the balance on the card XXXX. Sometime later, within one year, I started receiving debt collection attempts from Cavalry SPV, LLC. They were trying to collect a debt of XXXX. A lawsuit was filed by Cavalry in XX/XX/XXXX, case # XXXX, in the District Court Of XXXX County in XXXX XXXX XXXX, ID. This case was dismissed without prejudice on XX/XX/XXXX. 
The damage to my reputation and credit rating was immeasurable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking over my XXXX  report and noticed 9 inquiries that do not belong to me, I reached out the the companies as well as the credit bureaus to have these matter addressed and rectified. Not a single action has been taken as if identify theft is not a crime and it should be handled as such! Due to these matters my life has been basically put on pause! If I dont have the money I need I cant even apply for any credit due this! I would like for this matter to be addressed as soon as possible!

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 2020-12-15
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
7 months ago I received a notice that a collection came up on my credit report from COMMONWEALTH FINANCIAL SYSTEMS stating I owned them {$540.00} for hospital visit that my son had on XX/XX/2012. 6 years later and they add this collection on my credit report. The only time I have been to that hospital was for a wreck my children and I were involved in on XX/XX/2012. I contacted the Hospital and they confirmed that we were there on XX/XX/2012 but they did not have any record of us going there XX/XX/2012. After the wreak and hospital visit I hired a lawyer to take over my case against the other driver. All my children 's and my medical bills were all given to my lawyer who then paid off those bills through the settlement we received. I contacted CommonWealth and faxed them over the bills my son had and it showed they were paid and also shows the date of service which was XX/XX/2012. I sent them the proof that the date of service they had was wrong as we were never in the hospital that day. They have yet to respond to anything I have sent to them and have failed to provided me with any validation that I owe this debt. The last 7 months have been XXXX trying to get them to remove this debt. It has ruined my chances of getting approved for a home mortgage as when it was added I was right in the middle of trying to get preapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/, I had my phone and the contents of my wallet stolen. The people who stole my phone opened up an XXXX XXXX, serviced by XXXX XXXX, in my name as they also had access to my social security number from an old tax return they found in my email. I informed XXXX XXXX of this upon becoming aware, which was during the week of XX/XX/2022. XXXX XXXX claimed to close the account when I provided them this notice. 

However, XXXX XXXX is claiming I owe them XXXX dollars, which is now showing up as a delinquent account on my credit report. It has caused significant damage to my credit, yet they've done nothing to rectify the situation.

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 2023-01-01
Company: EQUIFAX, INC.
State: PA
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:
XXXX is defaming my character by obtaining my information and furnishing it without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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 XXXX XXXX account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX A account number XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 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. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to set up twice monthly payments with Freedom mortgage for 6 weeks. Ive tried online 6 times ( weekly ). Ive called three times. They take my info and say its set up and then call the other person on the loan ( not me ) 3-5 business days later stating it didnt work. I review my routing and account number every time ( 3-4 times ) and its the same issue each time. I can not set up more frequent than monthly payments on the phone and can not set up any payments online. Ive been given 3 different stories from 3 different reps. We tried to refinance also and they ran our credit scores and stated our {$130000.00} annual income ( up {$40000.00} from when we initially purchased ) is insufficient for a refinance and we need to keep paying PMI. When our loan is {$25000.00} less than our original loan. This company is a sham. I get a million different excuses/ and they made me pay one month in advance for the semi monthly which they seemed to have absolutely no problem setting up, but cant take the money that is due.

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 2023-03-31
Company: LDF Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I applied for a loan through makwa finance. For a loan of XXXX I was desperate for a loan because Im dealing with a hardship and I needed the money to pay off debts and I explained that I have a payment upcoming on XX/XX/30 I told makwa via email that I wont be able to make that payment on XX/XX/30 I was told that I would be able to make the payment on the XXXX then I get an email this morning saying that my account is in collections I explained that Im in a hardship the representative XXXX tried to lower the amount it still was high for me it was in the XXXX I asked to speak to a supervisor I she got very defensive and said I gave you all the options why do you want to speak to a supervisor. She placed me on hold and left me on hold. I called back I was very emotional the rep seemed nice and said she will stop ACH payments and to make the payment online or make small payments. Then I called this afternoon because I received an email and another rep was asking when is the payment going to be made. I had to explain again the situation Im in I asked to speak to a supervisor and I was transferred. I could barely understand because of the heavy accent. She asked if I can make a small payment. I got frustrated because she began talking about collections. I couldnt understand Im confused she said its not confusing. I hung up I called again and I spoke to a representative who was asking for a payment again. And the representative told me that she will continue to send emails. I tried to call customer service. Instead I get account resolutions and I asked if this is customer service the rep picked up got an attitude with me and said this is account resolutions why do you want to talk to customer service. This rep was very XXXX. I hung up. I dont need this stress I have enough on my plate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
you wrote me about my address not being right or that you need proof of the address that you have for me these are all the same address they are just written in different ways but are the same address XXXX XXXX   XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX and XXXX are same BORO you will not get any ID or utility bill from me so keep sending all correspondence to the address that is on file

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2020-05-25
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: Account status incorrect

Complaint:
I am in good standing with all of my accounts have paid down a considerable amount of debt in the last couple of months and even had a credit score in the 700s. After the cares act in XXXX, my student loans were put in forbearance through that act and I believe that they are being falsely reported because when I check my credit recently I have a 40 point credit decrease. And this time I have not open any accounts and made any debt or or hard inquiries. I really need help in investigating this manner because a 40-point decrease a my credit score does not make sense to me and the only thing I can see on my report is remarks from the department of education and it does not provide any further information about why my credit score has taken such a large hit.

Company response to consumer: Closed with explanation