BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Advance America, Cash Advance Centers, 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: Didn't receive services that were advertised

Complaint:
Advance America XXXX XXXX XXXX XXXX is refusing to allow my loan to process and are using all kinds of manufactured excuses and or jargon and double-talk against FCRA regulations and or protocols such as age, gender, background and all other reason that are biased and not based on factual or any fraudulent reasons other than direct and intentional denial of proper funding for my emergency needs such as emergency relocating due to extenuating and mitigating circumstances surrounding sufferage, unfair treatment and credit reports endorsing non-factual information from Lenders specializing in Consumer Sabotage and using pushy tactics and or unauthorized use of personal info data and the likes to access and use deter or prolong the actual use of my established or non-established credit this loan was pre-approved as loan towards my accepted tax return in which I am solely responsible so this is not even average or normal consumer funding in addition it was and is directly for emergency use for business, home, and automotive care and needs in order to stop and prevent any further damage to the credit I was so wonderfully establishing building with all of my last years interactions and openings. So the assistance and progress that was going on was stagnated and stopped by unfair and unethical trade practices intiated by the same people who are to protect my credit and accounts they've allowed accounts to get closed instead of corrections refusing to fix or honor my consumer wishes allowing multiple of my payment methods to be compromised by NON-account holders on non-joint accounts allowing access to my funds data and privacy by non-account holders and ignoring my constant. Request for disputes or discrepancy. So I am reporting this violating of the FCRA and denying my access to pre-approved funding on my tax return funds. 
Insinuating my authentication or identity is in any way wrong or not me based on the use of shortened version of my first name in which irs is fully aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a fake investment company and then a fake law firm who said they would help me. Payment went through XXXX  and cashapp. My issue now is I feel like there are scams of people who say they can recover my funds as well. So I am very weary of the process here until a friend of mine who is very concern about my health that is deteriorating informed me of your service that you can help me put things right. 

I was contacted by what I thought Was a legitimate investment company named XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX they promised me fantastic returns on investment and we signed multiple contract agreements. Payments were in BTC through XXXX totaling {$55.00} USD. After they kept asking for more money I found the real XXXX XXXX and they ensured me that who I was dealing with is a scam ( I have the emails that show this ). 
An accomplice of theirs made as if he had fell to the scam with me and had me contacted by XXXX XXXX, a law firm that was going to help get my money back. I paid them $ XXXX in BTC through cashapp and after I got nowhere with them ( they made a big story and forged legal documents out of the XXXX XXXX I found the real XXXX XXXX and they assured me the email addresses that I was talking with were a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently retained copies of my credit reports and saw inaccurate and unknown accounts. I disputed with TransUnion via certified letters. They received my initial dispute letter on XX/XX/2020. I have proof via certified mail receipts. By law they have 30 days to reply to me in regards to my claim. Meaning they had to reply to me by or before XX/XX/2020. They even disclosed that information on their online portal. I did not receive a response until XX/XX/2020. In my initial letter I was asking for proof, bearing my signature, showing that I have a contractual obligation to pay the furnisher the amounts claimed. This information was not supplied and was told that the accounts were verified as accurate. I have asked for a list of names, addresses and telephone numbers of the people who claim to have verified these alleged accounts without having actual proof, bearing my signature. I sent them a letter regarding this matter and they received it XX/XX/2020. According to law, they still have a couple days here to reply to me but this is getting out of hand and my issues and concerns are not being solved. I am not getting the documentation I am requesting to complete my investigation. Additionally, the furnishers are required to place a " notice of dispute '' on the alleged accounts within 30 days of the dispute and that was not done either.

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 2023-10-25
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Note : I previously made a complaint with the reference number : XXXX. While I have finally been placed into the XXXXXXXX XXXX, the information provided by MOHELA to the CFPB was inaccurate when it was sent as I had provided the information MOHELA claimed to have previously denied me on. 

This complaint is regarding three issues : 1. I have repeatedly requested the documentation related to my account from my previous servicer, XXXX. MOHELA has repeatedly given me information that I believe is inaccurate but without that documentation it is impossible to verify either way. I made this request on XX/XX/2023 and have received no response. 

2. I have requested clarification on the interest that has been accruing to my account. I believe MOHELA has decided to apply interest during the mandatory period during XXXX  where interest was waived. They have not responded to repeated inquires on this topic. I initially made this request on XX/XX/2023 and have received no response. 

3. MOHELA does not allow you to payoff loans on its website. Its telephone system is impossible to navigate as many menus do not provide you with options necessary to get the help you need. I do not have time to sit through 5 minute menus every time MOHELA 's inadequate system fails to connect me with anyone and instead gives me a robot to talk to. After attempting 5 times to connect with a MOHELA representative with no success today XX/XX/2023 I used MOHELA 's message system to request my documents. 

4. Most of my loans are not reflecting the autopay discount, this needs to be adjusted and back dated to ensure that I am not being overcharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Iv declared attempts of fraud on my credit file to Equifax to have them removed from my report as " inquiries '' and 1 year later still present on my reports. 
So i try to call costomer service to make a complaint and i never get through to a representative, Everytime i attempt to re open my credit report file the password no longer fonctional and i have to reset it and keep having to enter my personal information online to regain access, and sure enough, the very next time i use the same password its " incorrect " And i can never get any help for a service that i have paid for! XXXX $ a month in the trash gor years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
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 reporter agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b XXXX.company has also No permission to report anything using my info pursuant 15USC 1681 XXXX XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$420.00} XXXX XXXX XXXX  Open date : XX/XX/2022 Amount : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: GA
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & XXXX XXXX ; XXXX On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: GA
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & XXXX  XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2022-12-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-09-17
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems , Inc. based in XXXX, GA, Tel : ( ( XXXX ) XXXX fraudulently misrepresented and collected money for a non collectable debt. They also did not apply the full amount of funds I paid for a legitimate, collectible debt to my account with them, which was posted on Wednesday, XX/XX/2022. I contacted the Supervisor, XXXX XXXX, on Wednesday, XX/XX/2022, regarding the discrepancy with the actual payment that was made vs payment posted, and account closed letter, he said it would take 10 days after receiving my payment for them to apply the Correct payment amount to my account and generate an closure letter. However, XXXX XXXX XXXX, my account manager, stated in a previous phone conversation on Tuesday, XX/XX/2022, that once my payment was posted to my account, I would receive account closure letter immediately. They have been playing this Intentional, back and forth game with me for over a week putting me in a precarious position financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax even when you reported back to the CFPB account removed it is still showing on my Equifax report please remove it this doc was reported on credit karma but your web still shows it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: VA
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 late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 sent the following letter to the three reporting agencies. They are violating the law I have complained several times about them using my personal information without my express written consent which they can not provide because I have not given it. Please rectify the issue immediately.

I am writing to formally request the removal of certain transactions on my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Ive reviewed my consumer report and Ive identified transactions to be removed per the aforementioned laws.

Copies of this letter and certified mail receipts are also being submitted to the Consumer Financial Protection Bureau.

Below are the details of the transactions that I demand be excluded from my consumer report : Please acknowledge receipt of this correspondence by detailing the time frame of any applicable investigations.

Ive included copies of identification as well as a copy of a bank statement for identity verification purposes.

Thank you for your prompt attention in resolving this matter. 


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 2019-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO FINANCIAL HARDSHIP, I NOW HAVING TO TAKE CARE OF MY ILL DAUGHTER AND MY CURRENT FIGHT WITH XXXX AT AGE XXXX. I WS DENIED FOR HELP PER MY SERVICER " THE OWNER OF MY MORTGAGE HAS THE RIGHT OF APPROVAL AND HAS DENIED BASED ON A BUSINESS DECISION ''. HOWEVER!! THEY THOUGHT THE BEST DECISION WAS TO APPROVE ME FOR A REPAYMENT PLAN! LET ME EXPLAIN TO YOU MY INCOME VERSUS THEIR BUSINESS DECISION SO YOU CAN UNDERSTAND VALIDITY OF SITUATION. MY FIXED INCOME FROM XXXX IS A TOTAL {$4200.00} GROSS AND {$3300.00} NET, THE REPAYMENT PLAN SPS AND MY INVESTOR STATED I WAS APPROVED FOR AS THE BEST OPTION IS {$4600.00}!! THAT IS MORE THAN COMBINE GROSS THAT WE MAKE. 

AS YOU CAN SEE THEY ARE NOT INTERESTED IN HARDSHIP ASSISTANCE BUT TO PUT SOMEONE IN GREATER HARDSHIP TO INSURE I LOSE MY HOME. WELL, THAT IS NOT GOING TO HAPPEN, I WILL SUE AS WELL AS I AM WRITING/CALLING MY CONGRESSMAN AS WE SPEAK AS WELL AS MY ATTORNEY GENERAL BECAUSE THIS IS EXACT DEFINITION OF PREDATORY LENDING AND AGE DISCRIMINATION. 

I HAVE PURCHASED MY HOME IN 2005 AND HAVE NEVER ONCE RECEIVED ASSISTANCE AND IF THEY WOULD RESET MY LOAN TO 30 YEARS WITH TODAYS CURRENT RATE I WOULD BE ABLE TO MAKE MY PAYMENT AS IT WOULD BE LOWER. HOWEVER, THEY WILL NOT BECAUSE THEY FIGURE WHY DO THAT WHEN I WILL BE XXXX XXXX XXXX, SO LETS JUST TAKE THEIR HOUSE NOW. 

I WILL NOT BE VICTIMIZE BY ANYONE LET ALONE BY MY INVESTOR AND SERVICING COMPANY. 

I HAVE ATTACHED THE OUTRAGEOUS REPAYMENT PLAN AND MY FINANCIAL FIGURES TO SHOW THAT THEY ARE ONLY INTERSTED IN TAKING MY HOME. 

WE WILL SEE WHAT SPS AND MY INVESTOR HAS TO SAY TO MY CONGRESSMAN XXXX XXXX AND ATTORNEY GENERAL XXXX XXXX. 

HOW DARE YOU TRY TO TAKE ADVANTAGE OF SENIOR CITIZENS, SHAME ON YOU!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation