BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX XXXX, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: OH
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from ERC for a {$59.00} debt from XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for almost 2 years and have not received any invoices indicating that anything remained unpaid. There is no copy of an invoice, reference to an invoice, or other information. When I called ERC the guy on the phone was not authorized to help me unless I gave him the last four digits of my social security number, which I was not willing to give. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group is attempting to collect a debt that I do not owe. The debt is old and from a place that I worked, my services were free and I have the signed documentation proving it. My old employer actually billed my insurance & got paid and then sent me to collection for the whole amount even though they don't bill employees. 
They do some shady stuff and this proves it! I do not owe this debt and they were paid by insurance anyways. 
I am contacting my attorney regarding their practices as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Professional Credit Analysts of MN, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint stems from a debt that I have contacted this company to settle the debt for a lesser amount than original. The company in question is Professional Credit Analist-Minnesota, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX. I contacted XXXX and we had come to an agreement after several calls on or about XX/XX/ thru XX/XX/2019 to settle from {$2100.00} down to {$1400.00}. I borrowed money from XXXX XXXX XXXX XXXX to repay this debt and then I asked for a balance sheet and address for my Credit Union to remit the check. The Manager ( XXXX ) at  Professional Credit Analist-Minnesota would not send any paper work to either myself or the Credit Union so we had a document stating what we agreed to pay for settlement. The Credit Union Manager tried repeatedly to contact the Manager ( XXXX ) and did not receive a call back. The Credit Union would  not remit payment for agreed amount with out the statement. I did not feel comfortable paying this company without assurance that this would complete. I feel it is his responsibility to give me an agreement sheet and he did not. I did my best to resolve this issue and it is still affecting my credit score and my life. This has been in limbo for more than a year and I need some assistance please. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX XXXX, Mn. 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 2023-08-29
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: TX
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:
I sent a letter off on XX/XX/. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. 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 can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, 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. 
Account name : XXXX XXXX  Account # 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 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. 16815-2 ( AN1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX opened an IRA account at XXXX  XXXX in XXXX, GA. The deposit was {$2000.00}. The certificate number is XXXX. Subsequent to the deposit, XXXX XXXX was bought by Nations Bank in XXXX, which later became Bank of America. We have taken the paperwork we have to Bank of America to cash out the account. Bank of America says they have no record of the account, notwithstanding the fact that we have the paperwork. Bank of America told us the only have to keep records for 7 years and don't know what happened to our account since acquiring XXXX XXXX. We have checked with unclaimed property in the State of Georgia and no funds from Bank of America have been turned over for XXXX 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 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: Southwest Credit Systems, L.P.
State: GA
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:
Company XXXX XXXX XXXX Address on credit report is XXXX XXXX XXXX XXXX DE XXXX Partial acct # of XXXX Has all of a sudden reported a collection on my credit report that I supposedly owe XXXXXXXX XXXX XXXX XXXX XXXXXXXX dollars starting XXXX XXXXThe Biggest problem with this is that I live in XXXX Georgia and have done so for 5 years, and i do NOT owe any XXXX company any Money . I Disputed this with the credit bureau and they did not do anything to check the legitimacy of this item .Nothing to remove this, as though it belonged to me. Like this could possibly be legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 

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

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 2018-04-30
Company: National Recoveries, Inc.
State: GA
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 applied for the debt default program and set up a card which had {$60.00} on it to make 10 {$5.00} payments over the course of 10 months which was to be automatically debited from my card. they took the payments and on the XXXX and final payment the said my card declined even though i did not us the card for anything other than the purpose of the loan repayment program and they just took my money and did not even attempt to reach me in this matter especially after 10 months and the fact that it was the final payment. when i found out they didnt even allow me to go ahead and make the final payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 caused by fraud or error on credit reporting.

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 2023-03-05
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:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX- account ending in XXXX XXXXXXXX XXXX ( XXXX XXXX ) XXXX account ending in XXXXXXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXXXXXX XXXX- account ending in XXXX XXXX - account ending in XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account with 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 conviction 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NY
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:
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.

has violated my rights. Or 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: KY
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: SF VAGO, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EMVLP, LLC

Contact XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX


HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: MOHELA
State: GA
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:
On the evening of XX/XX/XXXX, I received an " Auto Debit Payment Reminder '' email from MOHELA stating that my student loan payment would be withdrawn on XX/XX/XXXX. However, I had not received a bill from MOHELA, so did not know that my due date was XX/XX/XXXX. Per email communications from both MOHELA and the XXXX Department of Education, student loan payments would be due for most borrowers in XXXX and we would receive a bill, with payment amount and due date, at least 21 days before the first payment was due. I did not, and still have not, received such a bill for the payment withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement for the payment due XX/XX/XXXX. 
On XX/XX/XXXX, I called MOHELA and spoke with a tier XXXX rep named XXXX, who informed me that the " Auto Debit Payment Reminder '' email I received the night before the payment was due was the same as the billing statement that I should have received at least 21 days before the due date -- basically, that I did not receive a billing statement because I was enrolled in Auto Debit. 
Nowhere on MOHELA 's website does it say that enrolling in XXXX XXXX means that you will not receive a monthly bill. Under the FAQs, " Yes, we will send a monthly reminder while you are signed up for XXXX XXXX. '' is the answer to " Will I still receive monthly statements while signed up for auto debit? '' A reminder is NOT the same as a billing statement and this answer is misleading. Furthermore, since repayments are starting again after nearly 3 years AND my loans were transferred to a new servicer in that time, I should have received a bill whether or not I was signed up for Auto Debit. I had no idea that a payment was being withdrawn until the night before, which is completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported XXXX late payments on XXXX accounts with a total of XXXX payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in XXXX Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.

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 2018-09-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I applied for a loan payment deferral with Toyota Financial. The agreement covered 2 months XXXX of 2018 and XXXX of 2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XXXX and XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to Toyota and now my credit report shows I was late for XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and Toyota to no avail. The information sent to me by Toyota outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: MOHELA
State: AL
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:
I have sent messages to Mohela XX/XX/XXXX and called ( they have a very high call volume ). I have uploaded in-school deferment information on XXXX and sent another message XX/XX/XXXX when I received an email that same day saying that deferment was denied on XXXX of my federal loans with balances of approx $ XXXX. I called on XXXX and a representative said she would have it corrected and would submit information but since that date, all I've received is an email that XXXX loans are denied deferment. I don't know why. I logged on to Studentaid.gov and see my enrollment information is correct. It says Faulker Law, 4 years, Law School. I don't know why Mohela has XXXX loans in repayment. I also submitted a complaint through XXXX. I do not currently work due to full-time school. Some of my loans are in In-School Deferment, some are in Deferment, and 2 are in repayment. Shouldn't they all be in In-School Deferment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation