BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: MN
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:
Equifax I am going to have to asked you to view documents thats is attached to this complaint! And asked you to respond appropriately After doing research and my own investigation on public record XXXX lXXXX  XXXX had informed me that they had removed the public record from there files! But each time I asked your office to conduct an investigation you claim that the information has been verified! Equifax based on this letter that I received from XXXX they had removed the public record back in XX/XX/2022 from there file! Equifax this is a clearly clearly proof that you never conducted any investigation on public record. The reason I know Equifax is the fact of the matter that you advertise on your credit report for these people name address telephone number! And this is who you verify public records with! As you can see XXXX stated that they removed the public record. From there file Equifax you never conducted any investigation this whole time. Remove this right now or dont I will be force to take legal action! You guys should be a XXXX shamed of yourself for doing this kinda reckless behavior on consumers! Its no way in XXXX you could verify anything with those people if the information has been removed from there data based this is the company that you use. Get this off my report today Equifax or face the consequences there it is black and white view it in the file its been removed for over a year in XXXXS database but you continue to tell me that you keep on verifying this stuff until today remove it today and then you put the information back on the report and then going to lie about You are a low down evil dirty company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: EQUIFAX, INC.
State: CA
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:
There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no  avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another XXXX in XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: SC
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.

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 non-monetary relief
Consumer complaint received 2023-10-09
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX my husband and I got XXXX spark XXXX from XXXX XXXX XXXX and it wasn't a vehicle that we necessary wanted because it is too expensive with monthly payments and lower interest rate with being on fixed income and XXXX XXXX not that great. They said in 6 months we would be able to trade it in at lower monthly and interest rate as long as we make payments on time. If we didn't want to trade it in 6 months we would be guaranteed to refinance, and we have tried XXXX different refinancing and have been denied the first one was Ally and The second was Santander where we finance now at and the last one was Tresl which the underwriter was XXXX and the reason we are being denied according to XXXX XXXX XXXX from XXXX XXXX he said that because XXXX has cap on interest rates and it is 12 % and that state of VA XXXX on interested rate is 12 % that is why we can't get refinanced because our interest rate at this time is 29.99 % and XXXX XXXX and XXXX XXXX both told us from Easterns at the XXXX VA location, that in 6 months if we make our payments on time that we would have no problem with refi or trade and we are having problems getting it trade in or refi. we can't afford to keep paying {$530.00} a month and Easterns knew that because I verbally discuss this with them, and we submitted our rent lease and bank account and social security income. they prey on the poor and low income, and they LIE all time. I have contacted XXXX and XXXX to trade and they had us come out and look at another vehicle to trade and then they said it wouldn't be a trade it would be XXXX vehicle payments and I have been talking and going over everything with XXXX XXXX from Easterns and he advised us to come out and we have been approved for a trade in and then when we get there XX/XX/XXXX it isn't a trade in it is another vehicle and we declined because we can't afford another vehicle. We also put down our old vehicle and {$500.00} down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
i was disputing the inaccuracies of late payments listed on XXXX XXXX XXXX credit card. I asked to submit proof of the incorrect information on all my credit reports that list worst payments status 90 to 119 days late. Instead of providing proof that updated removing the statement that " consumer disputes this card '' Instead puts card was closed It has been closed since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Solar Mosaic LLC
State: CA
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:
Mosaic has reported to the credit bureau that I was 30 days late in XXXX of 2021 which have resulted in my credit score dropping. We have contacted them so many time with no avail. My wife pays this bill every month that's why when I call I put her on the phone to talk to them. They are still saying we were 30 days late which is not true. Enclosed you will find copies of bank statements with payments paid to them on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Over the last several months I have provided various legal documents to the Loan Servicer in an attempt to be granted a Successor in Interest for a property of deceased borrower ( from XXXX XXXXXXXX ). Despite providing documents requested, I have still been denied with no clarification as to why. The SII is very pivotal to my attempt to receive assistance from the Texas Homeowner Assistance Fund, who has assured me that an SII from the Loan Servicer would allow them to move forward with a reinstatement of the past due loan and taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I send a cashapp money transfer on XX/XX/XXXX at XXXXXXXX XXXX The transfer was sent to the wrong cashtag address. The payment amount was {$150.00}. I sent a screenshot text to the intended recipient immediately after sending the cash app transfer. ( I have attached an image of all screen shots, including an image of all cashapp support communications ). The {$150.00} dollars is still showing as a pending payment in my cashapp profile along with the {$1.00} request for refund that cashapp support suggested I send to the erroneous sender. 
I spoke to XXXX, a cashapp support person Monday morning XX/XX/XXXX. XXXX instruction to me were the same as the instruction i have forwarded in the support chat. 

XXXX instruction to me was to have the intended recipient reach out to the cash app support by phone to discuss the refund. The intended recipient had already reached out to cash app support and was told the sender should call for a refund. 

All cash app transfer are stored in my claimed file when they are claimed by the untended recipient. the {$150.00} remain as unclaimed in by cash app file. 

I feel this is a scam and cash app is making a fortune on unclaimed funds and not refunding unclaimed cash to the cash app sender. 

Thank you for your service to consumers in this country

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have owned my cell phone number for over 10 years. Someone named XXXX XXXX keeps giving my number out to his debt collectors. Everytime i explain this to them and ask them to remove my number they either don't believe me and keep calling or they lie and don't fix it. It was over a year since i got any debt calls and now Golden one credit union is calling for this man again at all hours. I have saved all the messages they left. But as soon as it started happening i called them and explained that it has been a quiet year and i didn't want this starting again because he is a liar and this isn't his number. I called twice and golden one representative told me twice that my number would be removed this was over a month ago and they are still calling early in the morning and throughout the day leaving messages looking for this man. i'm so tired of this ... my parents are old and i am their caretaker so i need my phone free ... it is hard for them to remember a new number since i have had this number for so long ... my dad is XXXX and my mom is almost XXXX so to learn a new number would be very difficult for them. I would like to know if Golden One will stop calling from this complaint filed? thank you

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 2018-11-01
Company: EQUIFAX, INC.
State: GA
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 have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: AL
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:
Bankruptcy XXXX  XXXX RE : XXXX has violated my rights 15 9.5.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 explanation
Consumer complaint received 2017-07-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid 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:
XXXX   transactions, each for {$75.00} on the same day (  XXXX  ), were posted to my account which I did not make. I called Elan Financial Service on   XXXX   to dispute the sales. I clearly said I did make the charges or know the merchant. Elan did not transfer the handling to their fraud group, but only attempted to get copies of sales.
They were then unable to obtain the sales copies, but deem the sales valid and reapplied to my account (  XXXX  ). I then called again (  XXXX  ), this time the representative said both sales would be handling as fraud, closed my account, and sent me new credit cards.
In watching my statement, it appeared that they only began handling one of the {$75.00}, as demonstrated by only a single temporary credit.
Again, I called to speak with the fraud group (  XXXX  ). This time I was told that the second charge would be handled as fraud and that the " investigator '' would return my call. No call was received.
Today (  XXXX  ), I had to call again, as the second {$75.00} is still on the account and I did not received a call as promised after 12-days. This time I was told that the investigator tried to call ( 07/05 ) but could not connect AND they only make one attempt. This is unfair as it requires the customer to ensure follow-up by the bank. I have been promised someone will call me.
I need your help, CFPB, in getting Elan Financial and Fidelity Credit Card to do their job and resolve me case.

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 2023-10-09
Company: Maximus Education, LLC dba Aidvantage
State: MI
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 received feedback from a XXXX agent stating that my loans may be forgiven back in 2022. After that phone conversation, I never received any status updates ; however, my loans were never forgiven. 

I worked in public service as a classroom teacher for 15 years, in high-risk schools throughout my career. My Teacher Loan Forgiveness and Public Service Loan Forgiveness applications have been rejected multiple times. This has happened even though I qualify for forgiveness. 

The school, XXXX XXXX, where my student loan debt amassed, has permanently closed ; yet I still carry a hefty student loan debt, ( with no loan forgiveness granted ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed and Transunion shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with   XXXX   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 2022-09-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed  and Transunion s hows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I recently received copies of my most recent credit reports and noticed that there is outdated and incorrect information being reported on my credit file. The purpose of the Credit Bureau is to report factual information pertaining to a consumer. I have asked about the following accounts over and over, but get the same e-Oscar generic response.

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 2023-10-09
Company: Lawson Hamilton & Associates
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call requesting to payoff my debt. I explained to them that I would like to see it in writing since I do not know who they are. He refused to send me any information and told me that they did not have to send me anything i asked them to send me.

Company response to consumer: Closed with explanation