BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a statement from XXXX XXXX for a debt of {$160.00} ( which statement was dated XX/XX/XXXX ). I reached out to the original creditor XXXX XXXX XXXX, XXXX and asked why this went to collections considering my account was on auto payments. Also, why I was never given a notice that this account was going to collections or so much as a bill for this account. I was told there was nothing the company can do from a woman named XXXX. That I would have to reach out to XXXX XXXX because it had already been sent to collections. I wrote XXXX XXXX on XX/XX/XXXX explaining all of these things and asked : 1. The amount and time period of the alleged debt.

2. The full name and mailing address of the original creditor for this alleged debt.

3. Documentation showing how they verified that I am responsible for this debt, or a copy of any judgment.

I also mentioned in this letter to cease attempting to collect on this debt until they had provided me with this information. 
On XX/XX/XXXX I received another statement from XXXX XXXX. I have sent this information to all 3 credit bureaus certified mail. With the exception of XXXX  coming back because of the wrong address. 
Until XX/XX/XXXX I did not receive a response from XXXX XXXX who has informed me this is no longer under their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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: 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY
WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identify was stolen and used without my permission. Equifax had a data breach and send me mail stating that my information was breached and I have two accounts on my credit that are not mine. I need them both deleted immediately. Equifax failed to keep my information secured. These accounts are not mine and I request they delete them from my reports. 

The first is XXXX XXXX with a {$510.00} balance. 
The second is XXXX XXXX  with a balance of {$770.00}. 

I want these deleted from my XXXX, XXXX, and Equifax reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Tenaglia & Hunt, PA
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is what is occurring to me right now XX/XX/XXXX Friday, XX/XX/XXXX, I just received a wage garnishment from XXXX and XXXX XXXX  XXXX Apparently, I was sued by them on XX/XX/XXXX. I was unaware of this until yesterday. I was never served or received anything regarding this lawsuit in XXXX. This was intentional, as they don't want you showing up to a lawsuit that is fraudulent/frivolous. 
I do not recall having a XXXX account in the previous 10 years. If anything, they were time-barred from filing a lawsuit. This is the reason they didn't want me to be aware of it. At the same time, this was said to me being served. My partner was being sued by XXXX. We were served XXXX 's paper with no problem. I find it hard to believe XXXX couldn't find us. That's because they never tried. 
I pulled all three of my credit reports. There is no account from XXXX or XXXX and XXXX XXXX Not even under any collection agency of any name, for XXXX XXXX 
The judgment occurred in XX/XX/XXXX. I have been working for my employer since XXXX. Last Friday was the first I heard of wage garnishment. This last Friday they over garnished my pay. The amount in the state of Delaware they could have legally taken was {$29.00}. Instead, they took {$110.00}. I havent figured out why they are taking XXXX XXXX more than they should be. 
The first time I heard of this was XX/XX/XXXX. XXXX who issued a paycheck from my employer, mailed me a letter stating they were going to garnish my next paycheck. The sealed envelope clearly states that this is a wage garnishment This way my neighbors who get the mail for me and my postman can be made aware of my wage garnishment before I am even aware of it. Of course, nothing surprises me about this illegal transaction. 
I feel this wage garnishment was intentionally started and I was notified of it on a holiday weekend. The reason being I am unable to get in contact with an attorney, due to the holiday. I am aware the XXXX of XXXX holiday is a long one for most people. I have maybe 10 days to file something with the courts. Of course, they are closed as well. 
Ive got to give XXXX credit on a well-thought-out scam. Think of how many people will be scammed out of money. 
The amount I was sued for was {$2000.00} in the court of common pleas, XXXX XXXX, Delaware. 

PS. Do I have proof of everything I just stated? You bet I do. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
Delete fraudulent collection, I have attached an FTC report with the collection

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 2023-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
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:
I'm reporting that my information was bought and sold illegally, My information was also improperly used & shared without my consent because I was a victim of the Equifax data breach. 

I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

I am attaching a letter containing all the information needed to help in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX DE XXXX Date open XX/XX/XXXX XXXX XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-18
Company: EQUIFAX, INC.
State: IN
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 balance transfer

Complaint:
On XXXX, 2023, my Bank of America XXXX BOA ) credit card ending XXXX received payment directly from XXXX XXXX for {$10000.00}. 
On XXXX, 2023, I requested the BOA to transfer the $ XXXX fund from the credit card into my checking account. 
On XX/XX/2023, the BOA sent me a mail on the fund transfer, debited {$9900.00} to my card ending XXXX, while stated to send a cachier 's check that amount to my address on file. So far I've never received that cashier 's check. Later on it is found in XXXX by the BOA Payment Error Inquiring that cashier 's check # XXXX was sent to a totally different address, and cashed out on XX/XX/2023 by a third party 'IngoMoney ' financial institution which is unknown to me. It does not have my account, nor link to my XXXX XXXX account. I have no way to access the refund. 
I made numerous calls from XX/XX/XXXX up to today XXXX XXXX, to the Card Customer service and Fraud department of BOA on this matter. I went to BOA local financial center a few times to discuss the issue and getting helps. I also talked to the Executive_resolution team of BOA attempted to resolve this issue. So far. the BOA made resolution based on error data in my address, BOA used the third party address to send the refund check, declined to correct the error, BOA wanted me to contact the third party and its bank on the refund money! Certainly it was impossible. Only the fund sender BOA can do it. BOA declines to make the refund available for me while charged to my card for {$9900.00}. 
I'm looking forward to getting the issue resolved fairly, i.e. BOA is obligate to recover the refund and send me the refund check of that amount so as to remove the charge to my card.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with XXXX. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.

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 2022-11-09
Company: EQUIFAX, INC.
State: CO
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, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing to report an issue I have with EdFinancial ( my student loan servicer ). 

On XX/XX/2023, a payment of {$9000.00} ( confirmation number XXXX ) was made towards what is now marked as Group 4 ( formerly Group E, beginning balance {$62000.00} ) of my student loans. ( Please see payment confirmations for Group 4/Group E attached ; the XX/XX/XXXX payment is on p.4. ) On XX/XX/2023, EdFinancial transferred my information from my old account to my new account on their new servicing system platform, but failed to transfer the {$9000.00} payment from XX/XX/XXXX to my new account. 

I have contacted XXXX Customer Service several times on the phone and via email seeking to get the XX/XX/XXXX payment of {$9000.00} credited to my new account. EdFinancial Customer Service confirmed that the payment of {$9000.00} was authorized on XX/XX/XXXX, and said that it was " taking [ them ] longer [ than expected ] to update '' the accounts impacted by the transfer, including my account. ( Please see email correspondence attached. ) As of XX/XX/2023, my student loans have been paid in full. However, the XX/XX/XXXX {$9000.00} payment has still not been credited to my online account -- six full months after my new EdFinancial online account was created. 

I received an automated letter from EdFinancial on XX/XX/2023 saying that I have an unpaid principal balance of {$9000.00} and estimated interest of {$3100.00} over the life of the loan, and that my first payment will be due on XX/XX/2023. ( Please see letter attached ). I am concerned that EdFinancial will attempt to charge me these amounts, which I do not owe, due to their internal administrative error of not crediting the XX/XX/XXXX payment of {$9000.00} to my account. 

I most recently emailed EdFinancial on Sunday, XX/XX/2023, to notify them that my balance should be updated to {$0.00} as soon as possible, and followed up on Wednesday, XX/XX/2023, attaching the payment confirmations for Group 4/Group E. To date, I still have not received any response from them. In addition, my online account has begun to accrue interest on the {$9000.00} starting from XX/XX/. As of today ( XX/XX/2023 ) my account shows a balance of {$9000.00}. ( Please see screenshot attached. ) Please help me resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
I DONT RECONIZE ANY OF ALL THIS INQUIERIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Type of Business Finance Companies - non specific Automotive Automobile Dealers, New Automobile Dealers, Used Finance, personal Auto Financing Auto Financing Auto Financing Companies Auto Financing Companies Finance , personal Finance , personal Banks and S & Ls Finance other than personal Finance, personal Automotive Finance , personal Auto Financing Auto Financing Auto Financing Auto Financing Automobile Dealers , New Auto Financing Auto Financing Auto Financing Auto Financing Auto Financina Companies XXXX - non specific Automobile Dealers , New Auto rinancina companies Automotive Automobile Dealers. New Auto Financing Auto Financing Companies Auto rinancine companies Finance Companies - non specific a comorive Auto Financina Automobile Dealers, New Automobile Dealers, New Auto rinancing companies Finance Companies - non specific Finance, personal auromorive Finance, personal Auto Financing Automobile Dealers, New Auto Financing Auto rinancing Auto Financing Auto Financing Auto Financina Companies Auto Financing Companies Auto Financing Companies Automobile Dealers. Used Auto Financina Companios XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Auto Financing Auto Financing Companies Auto Financing Companies Auto Financing Companies Automobile Dealers, Used Auto Financing Companies Finance, personal Auto Financing Auto Financing Auto Financing Auto Financing Companies Finance Companies - non specific Auto Financing Companies Automotive Automobile Dealers, New Automobile Dealers, Used Miscellaneous Banks and S & Ls Bank Credit Cards Bank Credit Cards

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 2023-06-05
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: Was not notified of investigation status or results

Complaint:
See document attached

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 2023-10-05
Company: EQUIFAX, INC.
State: FL
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Company response to consumer: Closed with non-monetary relief