BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Yesterday, XX/XX/XXXX was atrocious the lack of respect for those battling invisible XXXX like myself was monstrous. Tuesday, XX/XX/XXXX I spoke with two different XXXX My church called Omni and made an agreement to pay. Due to me being in an emergency crises it was communicated XXXX XXXX had to pay by XX/XX/XXXX or my car would be transferred to an auction location closer, so I could get my stuff. I spoke with XXXX which an after hours operator at XXXX am on the XXXX or XXXX due to desiring to get my car. I spoke with a plethora of people. However, at XXXX XXXX a supervisor called me and expressed he couldnt bring me the car. I had to contact XXXX ( XXXX XXXX XXXX ). I called him after Wednesday to report that I couldnt make it due to no money. XXXX stated it would be in my best interest to pick the car up Friday at XXXXXXXX XXXX which is Friday. Upon arrival security and supervisors were not prepared XXXX XXXX triggered me. My son and I had to rush to our XXXX. The trip up was {$110.00} plus tip. There are so many issues when my car was picked up I had just got an oil change and due to the transmission leak. I was encouraged to get oil changes. My car has XXXX miles, but I had got an oil change XX/XX/XXXX the mileage was XXXX miles and the anticipated oil change date was XX/XX/XXXX. My XXXX XXXX XXXX son was with me. He looks XXXX. THE MAIN PROBLEM IS THEY USED THE LOW XXXX to get back at me for the misunderstanding. XXXX XXXX called XXXX XXXX where she escorted me over to redemption. Then, XXXX XXXX answered my question inappropriately. Then, a XXXX woman that they wouldnt give me name appeared. She treated me horrible. The lady says she can whoop my XXXX and charges at me. I got in the boxing stance to let her know I wasnt scared. After my exchange XXXX tries to calm me down, but it isnt working. XXXX XXXX expressed that his mom has XXXX but she can controls hers and doesnt spit on people. I didnt do it intentionally I told my medicine and I was spraying it and I was praying. XXXX XXXX was the supervisor. I had an emergency tooth extraction, my son didnt have on a coat on, and no money. XXXX should have did what he needed and Toyota Omni. It was expressed that it was never reported that there was a lien release and taking the car. I have been sick all day until the present moment of XXXXXXXX XXXX and this was done in front of my son. XXXX didnt tell me no kids. He said I had to have a license and the drivers plate. Now, my car is off and in the hood at XXXXXXXX XXXX, so if someone steals what left of my car then what?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: TX
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 am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureau. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the account was made, but I encountered an issue with the process. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem. 
XXXX that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4500.00}.

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: WA
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:
I have been receiving a bank statement from XXXX  XXXX almost every month since XXXX up to now and kept calling them and telling them I didnt have any information about this account and I never had any accounts with them but they said they are going to do information then after that they sent me paperwork saying they closed it but Im still receiving it and I cant deal with this anymore they damaged my credit by reporting inaccurate information while Im working on home purchases and I dont know what to do the last statement I received has tow different names which I have no idea about it and they said they believe me or another account user benefited from the transaction So I have no information about this account at all but they re

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: PA
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:
The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: FISERV INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, Clover Merchant Services, processed a credit-card payment in the amount of {$3900.00} in behalf of my business. The client was verified by Visa and the charges approved. Clover Merchant Services, refused to release the funds to my business for over 10 business days. The client could not wait any more for his product, so he demanded a full cancelation and refund to be applied to the same card. I have requested such refund from Clover and canceled the invoice. XXXX XXXX from Clover Corporate contacted me about the dispute and told me Clover was going to hold funds from my client up to 90 days for no reason, this could be considered in most instances theft, there is no reason why my client ( the victim here ) should not get his money back, no goods were delivered, and no money was ever deposited into my account by Clover. XXXX 's attitude, rudeness, discourtesy, and lack of empathy, reflect the true predatory nature of Clover 's corporate. She did nothing to help and it seem she enjoyed putting my client and my business in a dire situation. I would never do business with a company like this again. Stay far away from Clover Merchant Services.

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 2023-10-11
Company: EQUIFAX, INC.
State: GA
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: MI
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:
On or around XXXX XX/XX/XXXX I filed complaint XXXX regarding an XXXX XXXX account ending XXXX in my Equifax credit file XXXX As result, Equifax disputed the payment history. Equifax responded on or around XXXX XX/XX/XXXX claiming XXXX verified the prior payment history was being reported accurately. XXXX has been notified directly of the issue with the prior payment history on multiple occasions, the last of which was in CFPB complaint XXXX. XXXX provided a table of the payment history they are furnishing for the account in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. That table shows payment history and payment status that any reasonable individual would conclude is false/misleading/inaccurate on its face. No account can change from being thirty ( 30 ) days to one-hundred twenty ( 120 ) days past-due over the course of a single billing cycle, ironically the number of days after-which XXXX would then be able to charge-off an account. Moreover, if XXXX alleges the account was charged-off on or around XXXX XX/XX/XXXX, then no reasonable individual would expect XXXX to XXXX information claiming a Date of First Delinquency of XX/XX/XXXX, and reoport a charge-off for the first time neraly two ( 2 ) years thereafter in XX/XX/XXXX. By law, XXXX was required to report the status of the account to the CRAs with the correct delinquency information leading to charge-off not more than ninety ( 90 ) days after the change from balance to loss. Yet, that is not what the table of payment history XXXX provided indicates. It shows the status first reported XX/XX/XXXX. Just because XXXX verifies the information it is reporting is accurate doesn't make it accurate, especially if a reasonable individual can clearly examine the information and identify why the information being furnished is inaccurate. XXXX knows or has reasonable cause to believe the information it is furnishing is false/misleading/inaccurate. Equifax has a duty under the FCRA to report accounts with maximum possible accuracy and to remove information, even whole accounts/tradelines that are erroneous. There is no reasonable explanation Equifax can provide that argues false/misleading/inaccurate data is " accurate. '' Now, Equifax claims in the response they provided non-monetary relief, claiming " Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. '' If that were true, then Equifax would clearly see why the account/tradeline needs to be removed and promptly remove it because the data is false/misleading/inaccurate on its face. Equifax has provided zero ( 0 ) relief as the account/tradeline continues to report the same false/misleading/inaccuarte information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PR COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: GA
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-30
Company: EQUIFAX, INC.
State: IL
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:
ATTN : CFPB I need you to engage in enforcement action on my behalf against Equifax. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Equifax accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to XXXX, XXXX, and Equifax. I've attached proof that USPS delivered and signatures upon receipt. Equifax : XX/XX/2023, XXXX XXXX  Fraudulent account due to identity theft : XXXX XXXX XXXX # XXXX XXXX Amount : {$920.00}. I filed multiple disputes for this account. Equifax has failed to remove this account. I filed three online, on 3 separate disputes Equifax said it was verified. Im sure I filed a dispute more than 5 times for this account. How can an account associated with identity theft be verified. Equifax failed to show verification proof. Equifax and XXXX XXXX are illegally reporting to my consumer report. This is decimation and defamation of character. If this account isnt removed I will be filing a federal lawsuit. I will be seeking monetary relief. Ive provided Equifax in accordance to 15USC 1681c-2. Why is Equifax committing fraud? I sent more than enough. Equifax is continuously committing fraud and not being held accountable. I demand this account me removed ASAP!!! CFPB Im aware that youll have been receiving a surplus of complaints and Equifax is capitalizing from this. Please hold them accountable. XXXX and XXXX have deleted the account. Only Equifax is still illegally reporting this fraudulent account. Equifax is reporting multiply address on my report. There should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX should be deleted. The identity theft has been using those addresses. The only address on my file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax disputes : Confirmation # : XXXX Submitted : XX/XX/2023 Completed : XX/XX/2023 Results : VERIFIED ( Violation ; account isnt mine fraudulently opened. ) Confirmation # : XXXX Submitted : XX/XX/2023 Completed : XX/XX/2023 Results : VERIFIED ( Violation ; account isnt mine fraudulently opened. ) Confirmation # XXXX Submitted : XX/XX/2023 Completed : Pending ( hopefully Equifax stops breaking the law and remove this fraudulent account. 

Congress put these laws in place to be enforced. No person or company is above the law. Equifax isnt abiding by these laws. They must be held accountable. If not must be prosecuted to the full extent. Im a victim of their data breach and I have yet to receive my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I consolidated debt with a loan, I closed my car loan and united it in this bank. Thing is by the time of COVID I read there were a 3 month " break '' and I was happy because I lost my job as many of us did with the COVID time. Point is, when the 3 months passed instead of moving those payments to the end ( adding payment months ) I was charged the whole amount. I tried to get into an agreement because of the situation and the bank closed the account, I was sent to court last year and got to an agreement with the bank. Recently I asked for my credit scores and I saw that this account is reported delinquent as if I hadn't got an agreement, I'm doing a reinstalment plan that was agreed with me, my lawyer and the bank and I wish that this doesn't appear as delinquent when this agreement already happened a year ago and I'm in good standing. I talked to lawyer about this which tried to contact the bank, apparently bank said I needed to fix a complaint and that they couldn't do much. At the end of the day this affects my score and my credit history was excellent ( usually my wrongdoings are related to stuff that is out of my control like hurricane XXXX and COVID ) but I've been really responsible and wish to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$840.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation