BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Car loan company is XXXX XXXX XXXX XXXX in Georgia. 
My Credit score is hurting me tremendously. 
I can not apply nor get any Credit because of the latenes.. This car was {$21000.00} and I have paid for almost 3 years $ XXXX $ XXXX  monthly. I can not refinance my interest rate. 
I had contracted XXXX XXXX in XX/XX/XXXX. I was expecting a payment from my Government contract and it never came on time. I call the company asking if I can change my payment date from the XXXX to the XXXX, and I was told I can not change the payment date until I make a new payment. Meanwhile, I was once told I could request to change my payment date if I needed to, but it was never clearly stated by XXXX  that I must make a payment first. 
Also in XX/XX/XXXX I wanted to make a {$600.00} payment by credit card. No credit card payments is accepted. I asked to place the payment on the back end and I was told the company will place the payment on the back. I was told that I would have XXXX, XXXX and XXXX extension. It never worked out because of communication with all the Agents calling. We were not sharing the same information I was given. I was promised that the extension can not be emailed. I was told by XXXX both of us has to be on the phone at XXXX to fill out the paperwork. 
I encounter hardship with XXXX XXXX. Because I was infected twice. In XXXX I got a gentleman who emailed the Extension letter to me, after making a payment. I filled the paperwork out and I email the information back to the Gentleman. For some reason at home we have horrible internet problems and the signed Extension letter never reached the office. Extension was for XX/XX/XXXX and XX/XX/XXXX When I resent the letter it had Expired. 
I was not ok with all the wrong information I received from XXXX regarding with Extension reports as late. It is not worth asking for help because my Credit got beaten down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Investigation took more than 30 days

Complaint:
I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Harris & Harris, Ltd.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep getting robocalls from " harris and harris '' debt collector-I called them and they have wrong number-trying to reach someone in Illinois-I am in Iowa-totally different name.I told them twice-stop calling, but they do call several times a week-I blocked the number, but still fill my voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I have no knowledge of this account that is on my credit profile and would like this to be removed immediately! 

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 non-monetary relief
Consumer complaint received 2023-06-15
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: Account status incorrect

Complaint:
XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX have continuously disputed my credit report and have asked them to remove items that are showing on my credit report that are duplicate, charged amounts incorrect, name on accounts not correct, accounts have also been sold to debt collectors and they continue to change dates on the credit report accounts to show they are recent yet they are old accounts. 
The following have been disputed more than once. The credit bureaus will not remove. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
i disputed this with Equifax over a year ago and send documents to have them remove a collected agency from my report. which they did. on the   XXXX   XXXX   XXXX   l  i send another letter to  XXXX  the collection agency because it was still showing up on my   XXXX    report. well  XXXX  contacted Equifax and without verifying it, Equifax put it back on my report. it has been over a week and i still have n't received a letter from Equifax saying they added it back to my report. this is illegal and it goes against  XXXX  policy. forward to today. i called Equifax at  XXXX  and spoke with  XXXX  from the  XXXX , he would n't give me his last name. i updated my demographics and i spoke with him about some more errors on my report like a Bankruptcy which i asked where did he get that info from and he told me that the courts in my hometown provided it. so i told him that i send him a letter stating that the courts do n't provide that information to the agencies, then he proceeded to say that they only get their information from the original creditor and not third party companies, so i said collection agencies are third party companies and you just told me that  XXXX  gave you the information on that account. its has been too much going on with my account and i need Equifax to remove all info that i have verified on my report. attached is my supporting documents.. they refuse to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
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 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 2023-06-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX & XXXX ( Original Creditor : XXXX  ) XXXX removed XXXX XX/XX/XXXX {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$5400.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: AL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
WELLS FARGO BANK MAY HAVE MODIFIED MY MORTGAGE WITHOUT ME KNOWN IT.

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 2023-02-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Father had a XXXX in XXXX of XXXX and had limited mobility after that. He had been using a bookkeeper for most of his items and they were discontinuing servicing in XXXX. We had spoken to Bank of the West in XXXX as to what was necessary to get me added to my father 's Personal and Business accounts and they said a large amount of paperwork need filled out. I live approximately XXXX miles away, but would visit frequently and needed to do some banking chores. My father filled out paperwork and had them send the paperwork to the Bank of the West on XXXX and XXXX for my signatures ( I am unsure of the dates and the bank has no documentation of any of this according to the branch in XXXX, I was not provided a copy after signing in the branch ). I signed all paperwork at the teller window at the branch in XXXX for them to get the process finished. Upon recent visits to Colorado in XXXX and XXXX, I was told there was no record of the documentation that was worked on at XXXX branches and they would need paperwork filled out again. My father was on his death bed literally and passed away while I was there on XX/XX/XXXX, so filling out paperwork again was not an option. I inquired to have them look again for this paperwork and was told it still could not be found and even if it was there was nothing they could due after his death. This was all supposed to be handled while living many months earlier, sensitive documents with account information and signatures just disappeared. They immediately closed his accounts when I let them know of his passing even though I was durable power of attorney and told them I had written checks ( they immediately took away online access too, but told me I could still make deposits ). They were horrible to deal with and I had to use my own funds at my own bank to try to keep his business and home running due to complete negligence by Bank of the West. Heck, probably got fees for returned items too there, but can't tell because they took away all access even though I should have been on the accounts long before to make this process less stressful and easier to handle. Thanks to Bank of the West, I have numerous disconnect notices and late fees/charges from utilities and the like causing great anxiety over their improper handling of documents...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: Army and Air Force Exchange Service
State: NJ
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 creditors has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 604A section 2 it also states a consumer reporting agency can not furnish my account without my written consent.

15 USC 1666B a creditor may not treat a payment under and open and any consumer credit as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 previously submitted a Police Report and FTC report because of identity theft. I am trying to purchase a home and there are still items on my report that do not belong to me : 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 2023-02-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: MA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Integrated Recovery Services
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by a rep claiming I owe debt to a   Payday loan   company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of  XXXX   XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on  XXXX   XXXX  and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.

Company response to consumer: Closed with explanation