BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report which showed an account balance of " {$5400.00} '' from " Genesis Credit Management '' which I do not recall authorizing. I understand that an account should not show on my credit report if I have not authorized it. Please have this inquiry removed from my credit immediately as it is making it difficult for me to acquire credit. I have reached out to the company via email for verification of a signed contract agreement with them, which they have not provided. They also have repeatedly called me regarding this alleged debt. According to the fair credit reporting act, section 609, ( a ) ( 1 ) they are required by federal law to verify through physical verification of the original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I requested that Equifax Information Services LLC place a security freeze on my credit report. I am a XXXX year-old XXXX. Equifax 's website makes clear that, if it has not yet established a credit report, and the XXXX  consumer requests a security freeze, Equifax will create a report and then freeze the report. ( https : //www.equifax.com/XXXX ) On XX/XX/2019, I received a letter from Equifax stating that it does not have a credit file for me ; however, Equifax did not establish a credit file and then apply a security freeze to that file.

I filed a complaint with the CFPB on XX/XX/2019, and the defendant " responded, '' two full months later, that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. The person listed as an additional contact on the original complaint was my father. Again, I am a XXXX. And my complaint specifically authorized my father to receive information related to the complaint.

The CFPB 's response dated XX/XX/2019, states that : " If the consumer did not receive a response from the company, the account holder or borrower can submit a new complaint without listing anyone else. '' I received no response from the defendant. Now, in order to remove this stumbling block that the defendant has erected, I am hereby refiling my complaint and not listing my father as a person authorized to receive information related to the complaint.

Your turn, Equifax. What bad-faith argument will you raise next in an effort to not do the right thing and simply create/put a security freeze on my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my formal complaint to TRANSUNION. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-08-04
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: GOLDMAN SACHS BANK USA
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had several fraudulent charges show up on my Apple Card including charges from international retailers. I contacted Apple Card support about the fraudulent charges and they provided a provisional credit while they investigated. XXXX of the charges they were investigating were for XXXX. Following their investigation, XXXX of the disputes was decided in my favor. However, the second one was not decided in my favor. I asked why it was not decided in my favor and they claimed that it was because I already received a credit for the charge on the other dispute and believed it was the same charge. However, the charges were for XXXX different amounts and I did not make either charge. Furthermore, I never heard of XXXX so I googled it and the website appears to be fraudulent. I tried to contact them via their email they had posted but never received a response. I appealed their decision and provided proof that they were XXXX separate charges for XXXX different amounts but they decided in the merchants favor again. I tried to dispute it again and they say it can not be disputed again. However, I did not make a purchase at XXXX for {$1000.00} and should not have to pay for a charge I am not responsible for. Especially such a large fraudulent charge. 
The charge was initially made on XX/XX/XXXX and was disputed through the card company and appealed. On Monday XX/XX/XXXX, they decided the appeal in the merchants favor but I never made the charge. Apple Card also refused to provide any information on why the dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: SECURITY FINANCE CORP
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
my complaint is that the local branch faxed a garnishment-interrogatories and order letter to my job and my check was garnish and I did n't know about it until I had gotten my check. and I feel like my rights were violated because one of my co-workers knew about it and I did n't said he seen it come off the fax machine and I want to know is this proper way it was to be handled. I wanted to call but your office is closed by the time I get off and where I work is too loud so I would really appreciate you guys giving me a feed back 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 2022-05-05
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: Account information incorrect

Complaint:
EXPERIAN AND XXXX BOTH UPDATED MY REPORT AS THEY ARE REPORTING INACCURATE AND NOT 100 % CORRECT INFORMATION ON MY CREDIT REPORT I HAVE REACHED OUT TO THE COLLECTION COMPANY FOR A LETTER STATING WHAT THEY SAY I OWE AND THE AMOUNT THEY CLAIM AND THE AMOUNT THE CREDIT BUREAUS ARE REPORTING ARE NOT 100 % CORRECT AND 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 explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, Equifax is reporting incorrectly, the acct. from XXXX XXXX acct. **** **** XXXX. It says in the comments, paid as agreed, & it's in good standing & open, how ever, their system is reporting it as closed & my score dropped 9 points! This is a huge deal for me because I am working hard on my credit the last few years to buy my 1st home & earlier this year I was in a car accident, ( not my fault ) & my car was totaled & now I need a new car too. So building my credit is essential & I was close to my goals. Then this error of reporting from Equifax made my score go down & it's devastating, when I need it to go up 9 points, not down! Equifax can see I recently been paying down my balances & only negative I have on my credit report is my balances are high & that is due to XXXX & then the car accident, being out of work for XXXX. I talked to XXXX XXXX & the account should be reporting open with restriction because of the hardship program ( which is over now ) ( not closed ) & also should say paid as agreed. The note even Equifax has online, says account is now reported paid as agreed & open but its was never late or closed, their computerized A.I system registered the data & info as a closed account & that makes my credit drop! AGAIN THIS IS NOT ACCURATE! I don't know if it was an error on XXXX XXXX end but when I talk to them they said it shouldn't be reported as closed. 
I appreciate if Equifax can give detail info. in the future when changes are made, scores up or down, details on why! I was paying for a membership & was planning on upgrading but I will not now because Equifax is failing to provide the services I deserve. There is NO way my score should of dropped & I appreciate if they update this account as open & paid as agreed & give me my XXXX points back. THANK YOU!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
USASF Servicing ( USASF ) -- U.S. AUTO SALES. Sent me an email on XX/XX/2023. Advising the business. Basically was not going out of business. Which was the last communication received. By email. I did not receive any notices of any sort. From the company advising would be selling the business. Or any of that nature. I made my last payment on the pathway website. Which established this past XXXX. Which was once an site starting with the name repay. That U.S. AUTO SALES had. Any and all email communication. That U.S. AUTO SALES. have had sent. Mysteriously, was removed from my XXXX account. That's theft. So, they must have used some type of chip. That removed all emails from that specified company. Even payment receipts. Which was asked to be emailed and text. Text messages couldn't been removed From personal devices. But from emails. They have removed them all. At the end of XXXX. I received an phone call. From am company named Westlake. Advising me for the month of XXXX. I would have to send them payment. On behalf of U.S. AUTO SALES. I inquired. About my original contract. And was told they didn't have it and also would not be providing any CPI, GAP, AND OR WARRANTY. I started receiving statements. With an amount listed. Which was not the right amount. I was then asked to send them a copy of what I had. I would not. I didn't agree for them to make alterations to my original car payments and or any other information. They had them started calling me several times. From different number. They had even contacted me. At an relative house. That I had them from. That specified number. They called to. Was not even on file. I ordered for them to contact me only. Once have the original contract. Signed with U.S. AUTO SALES. So, then they placed me on their pertinent Do Not Call List. Then on the night of Wednesday XX/XX/2023. Around XXXX eastern standard time or so. My car was gone. It had been repoed. According to the police dept.

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 2023-03-27
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:
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 # 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 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 2023-08-04
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.

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 2021-04-29
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was involved in a romance scam between XXXX and sent money to the person through XXXX XXXX, Western Union, XXXX XXXX  and also through XXXX  These were either done in person or through there apps. 

This is not part of the settlement that was already done through Western Union ending XX/XX/2017 and XXXX XXXX ending XX/XX/2017. These are all transactions happening after the dates, and I wanted to start a new case towards these.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NY
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: D2 Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX at XXXX I received a call from a women who stated she worked for D2 Management and asked could she speak to XXXX XXXX . I responded by asking the lady who is she and what does her company do? She responded and said the company is a 3rd party who collects debt on behalf of their client and I stopped her and told her I am not sure who she is and to stop calling and she proceeded to ask if the last 4 of my social was XXXX  and I disconnected the call. Later that day I received an email from the same company saying they were trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: TX
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation