BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: Equitable Acceptance Corp
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was contacted by Equitable Acceptance through United States Postal Services. Equitable Acceptance informed me that they can help me get my loan forgiven in which it would cost {$150.00} to start the paper work. My monthly payments started with them on XX/XX/XXXX at that time I was not informed that I would be paying interest on my account repayment. I attempted to contact Equitable Acceptance on XX/XX/XXXX to inform them that my bank account information has been changed and to provide them with current account number. I could not contact them untilXX/XX/XXXXeven after leaving a voicemail they never followed up with me. I was told today, " That I could not request to have services cancelled because I signed an agreement which would eventually affect my credit because they reported it to the Credit Bureau. The representative told me I am obligated to pay them these fees when I feel there is no service being rendered. He told me, " That Student Advocates had consilated the loan and to contact them. '' I then contacted Student Advocates who informed me that yes they did reconsolidate my loan and for me to contact XXXX to verify that they indeed took over the loan. So I contacted XXXX next to follow up on my student loan. XXXX then reviewed my account and informed me that there had been no recent consolidations on my loan other than back in XX/XX/XXXX. I was also told by XXXX  " That the services Equitable Acceptance are charging me for are free of charge through fed loan. They told me to contact my bank with concerns to avoid future monthly charges out of my account. I paid Equitable Acceptance {$150.00} to start paperwork and {$49.00} a month of which {$19.00} of that payment is towards interest and I was not informed of that prior to signing any kind of agreement. I do not want them to affect my credit please help me find a solution. Equitable Acceptance told me that they could not email, scan or fax over a copy of the agreement I signed for me to review. I was told they can only mail it out. I am waiting to receive agreement so that I can forward it over to Consumer Complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: MI
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:
I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently pulled my credit file from all 3 credit bureaus and was overly shocked. I discovered credit inquiries on all 3 not authorized by me. What a travesty! Guessing, like our government, you can do what ever pleases you without any permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: Skrill USA, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a deposit to Skrill of {$550.00} from my personal XXXX XXXX XXXX account. The transaction took place within 5 days without any id verification. 

When I requested a withdrawal of my funds to the same account. I was asked to verify my date of birth. In order for Still to verify date of birth they requested to send them ID card. After I sent ID, they asked me to send a picture with government-issued document. I made a picture of myself holding a passport. 

Then I was asked to send a bank statement and my account was locked. I called them several times, and was told that mm account was under investigation. 

This is clearly a scam and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good afternoon, I had a loan with M & T Mortgage and I made every payment on time throughout the 8 years I had the mortgage with them.

I sold the property and the closing took much longer than expected due to COVID and due the buyer and they buyers lender which was out of my control. It actually 3 months to close, so I made two payments during that time. The 3rd month I was advised by the lender and the attorney not to pay the last mortgage payment because they had already called and gotten the payoff and that it would interfere with the closing disclosure at the closing if I made  the last payment. We were supposed to close on the XX/XX/XXXX, but something happened on the lender/buyer side and it was bumped to XX/XX/XXXX. 

My mortgage company ( M & T ) called me about the payment, and I explained that we were closing on the property the next day ( XX/XX/XXXX. ) He said that would be fine. He did not say, Well you better pay it now or this will be reported to the credit buruea. If he had, I would have gone ahead and paid it and dealt with the consequences on the closing. I have been working very hard to get my credit built up, and now it went down 64 points due to 1 day.

I checked my credit score today and it has dropped 64 points due to the payment being paid on the day of the grace period ending. The balance of the account is now XXXX, so I called M & T and asked them to please consider pulling back the negative impact to my credit.

I was placed on hold and advised that per the supervisor they could not do that and I would just have to deal with it.

I advised them that I was not happy with that and asked if there was anything else I could do and she told me no.

I am asking if there is a way to have this negative report removed from my credit.

I am happy to provide more details if someone can let me know what I need to provide.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a class action lawsuit against this company and this account should be deleted from my report.

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 2020-10-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX hurricane took out well pump. By XXXX, still without utilites so we had to break lease due to inability to have running water for two months. Landlord agreed and accepted us moving, even gave great  refrence when called by new landlord XX/XX/XXXX to do a reference check. 
Had a XXXX balance to company as of XX/XX/XXXX. 

XX/XX/XXXX landlord went behind us and submitted a false claim of debt owed to credit companies. He did not go through courts, nor has he returned any text message over the past three years attempting to find out what this was about.

Tried disputing but no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

INQUIRIES XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was never sent a method of verification letter. This is a violation of my rights there are no proof of how the debt was validated. Please remove from my credit report immediately.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, AXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, DEPT OF XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have never had an account with XXXXXXXX XXXX  ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft.

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 2020-09-22
Company: STATE FARM BANK, FSB
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a camper loan with state farm bank. Since I took out the loan I have been paying extra. Until recently there was no option to indicate principle payments. The app still doesn't have the option to designate principle payments. Each month I have made a payment including an extra amount for principle. On the anniversary of the loan they recompute the loan. When they do this some of the principle payments are removed and the extra payments are directed toward future interest. Last month I owed around XXXX. I paid XXXX and now owe XXXX on the loan. State Farm bank doesn't allow you to question any transactions older than 3 months even though they just recomputed the loan removing the principle payments. They said I have paid future interest through next XXXX. I was under the understanding when I took out the loan it was a simple interest loan. I always ask because I usually make extra payments. to shorten the term. 

I need a complete audit of the loan to find out where the missing payments went and how they can justify removing my principle payments when my account showed them posting correctly the prior month. There is no recourse since SFB refuses to look at payments older than 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties FIFTH THIRD BANK, NA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : XXXX 


FIFTH THIRD BANK, NA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : {$54000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX OF XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX CARD : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2020-07-19
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So, American Coradius International L.L.C is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX XXXX credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax has inquires that I never authorized on my credit file. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/19 I made first contact with IQ Data about a debt that appeared on my credit report. I asked to know how much the debt was and asked if it was payed in full if I could receive a letter of deletion. I was given 2 amount that could be payed, with the second, full amount guaranteeing me such. I needed time to attempt to contact the other party of this " shared debt ''. When i could not reach the other party i called IQ Data back and asked for a debt validation letter. XXXX threatened that if I wanted one there was no possibility of receiving the letter of deletion I had asked for. Telling me that exercising my rights was " taking a step back. '' I feel it unfair, when I had never been contacted before, and never showed any ill faith about paying the debt that I was treated so poorly by someone who works for a company who's slogan indicates that they seek to help in a courteous and fair way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: NC
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. 


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 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 2018-07-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, Experian & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.

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