BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: CA
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:
I do not recall any of these inquiries to below and had already filed an identity theft 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: AZ
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MS
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:
My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted Equifax, XXXX, XXXX, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Investigation took more than 30 days

Complaint:
I have a charge off on my account that IS NOT a charge off. 

Payment to XXXX holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX XXXX You {$3400.00} - XXXX XXXX XXXX XXXX Equifax has not verified the payment received for the XXXX day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for XXXX days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off XXXX XXXX with a XXXX day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a XXXX day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This company ( NAVIENT ) calls everyday, multiple times a day from MANY different numbers. 

They have contacted third-party persons that have no affiliation with the financials of the loan. I have asked that they do not contact anyone that was not financially responsible for the loan. They have up-to-date contact information and do not need to contact anyone else. 

They have failed to stop contacting the third party persons, after I stated they were told not to contact anyone. They also contact third-party persons looking for looking other third-party persons. 

I have told them on numerous occasions my inability to pay and that the options they provide are not something I can peruse. They constantly talk over me when I am trying to explain when it does not align with their goals for the conversation. Very condescending and not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX  has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. XXXX continues to charge me for late payments even when I'm not late. XXXX XXXX  has reported me XXXX times late starting in XX/XX/2021, XXXX kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. XXXX has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX NOR XXXX payment was never updated. 

XXXX is also violating my consumer 's care act rights Sec.4021 & NCLC 'S Fair credit reporting rights. I proved I was affected by covied19 and needed chase to assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. XXXX has been charging me late fees even when I'm on time with my payments.

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

Complaint:
SINCE XXXX OF 2023 I HAVE BEEN DISPUTING SEVERAL INACCURACIES ON MY CREDIT REPORT I HAVE BEEN GAINING NO PROGRESS JUST THE SAME EXACT GENERIC RESPONSE " ITEM VERIFIED '' I HAVE ASKED FOR WELL OVER 90 DAYS FOR THE METHOD OF VERIFICATION FOR THESE BLATANT ERRORS ON MY REPORT TO NO REPLY THIS IS COMPLETELY UNACCEPTABLE ATTACHED IS THE MOST RECENT DISPUTE LETTERS AND COVER LETTERS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-02-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX is reporting my credit usage as fair rating and high impact which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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: Was not notified of investigation status or results

Complaint:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: AL
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:
Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests, I ask that the items be deleted to correct my credit profile. I reported the theft of my identity to the FTC ( federal trade commission ) and I also have enclosed copies of the Federal Trade Commissions notarized identity theft Affidavit.

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 2022-01-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Trying desperately to get important tax information from BMO and they can not pick up the phone

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 2022-01-31
Company: Nelnet, Inc.
State: DE
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 contacted XXXX XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
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: Personal information incorrect

Complaint:
All those addresses, names, ss numbers are not mine!!!!!! My name is not XXXX XXXX. My ss number ends with XXXX, not XXXX, not the other one either. I never lived most of those places you said I did. You were not in my life you dont know where I lived, IT WAS NOT AT ALL THIS PLACES YOURE SAYING ITS A LIE

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 2022-01-31
Company: Rocket Mortgage, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Rocket Mortgage five times in the past three weeks trying to apply for the CARES Act forbearance and each time they tell me to call back. They sent me a two page form that states I can fill it out with them over the phone but today when I called, XXXX said she can't fill it out. She said " everyone has been affected by COVID, so, how has it affected you? Loss of a job or something? '' I said I was applying for the CARES Act forbearance and I don't think they can ask about death in the family, etc and she wanted to process it as a foreclosure mitigation. Is that legal? Can she insist on asking about how COVID specifically impacted me? I'm only asking for the CARES Act forbearance, I shouldn't have to send in medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I called COLUMBIA DEBT RECOVERY XXXX DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX to begin paying off my debt. I spoke with a gentleman named XXXX to set up payments, he suggested to pay it off as quickly as possible and that the least amount he could take was XXXX every 2 weeks, I assured him that I could not afford that. He said that his company could not take less than {$700.00} the first month to start but then XXXX a month after which I agreed to. On XX/XX/2023 they had pulled out another {$700.00} for the second month and when I called to fix this error. I was told there was nothing they could do. I asked for a supervisor and I was given over to XXXX who said he was the supervisor of that branch. When I told him my issue he laughed at me and chastised me for not having the money to pay. He said whatever XXXX told me was not his issue because XXXX was fired the day after he set up my account for misrepresenting the company. We got into an argument about how his company was in the wrong and he said to me " we don't help people ... we take people 's money. That's it and if you want to keep arguing. We will default your account, keep all the money you've already paid and make you start over with another company ''. 
Feeling completely powerless and not wanting to ruin my credit and lose {$1400.00} which I can't afford. I called back shortly after and made sure my account was still good. They are taking way more money than they are supposed to and it is killing me, I was scared to say anything for a while because It seems they hold all the cards and can misrepresent themselves take more money than we agreed on and leave me powerless and scared to say anything. But the fact that he made fun of me and laughed at me over the phone while I kept my composure and simply asked for someone above him to talk to, and was actually able to threaten me with financial ruin scares me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: MARINER FINANCE, LLC
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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. 
Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Mariner Finance ). Making the report is NOT INCLUDED on my consumer report! Debtor ( Mariner Finance ) issuing credit ( installment loa
n ) to the creditor ( ME ) is a transaction that is illegally reported on my consumer report by the person ( Mariner Finance ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! 
Mariner Finance HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS.

You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. 



Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I initiated a complaint about transworld purchasing a debt from XXXX XXXX Complaint ID : XXXX I still havent received the account validated Debt letter with ledger in the postal mail. They began calling non stop after I asked them to stop calling. I told them I would take care of the full the tradeline is deleted. If not, I will settle the debt for 60 % of the total if it must remain on my reports, I can wait out the 7 years until its not eligible to be reported in my credit any longer or I can add it to my current bankruptcy claim to never be paid.

Company response to consumer: Closed with explanation