BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
This complaint is to put on notice that Equifax received my letter today and starts the clock for them to respond to my request. I have included my letter with tracking and a certified mail delivery receipt with signature. As a courtesy, I have also sent this letter and return receipt to XXXX XXXX XXXX the State attorney general of Georgia and My state attorney general XXXX XXXX XXXX to ensure compliance and further investigation into the investigative procedures by Equifax and maintenance and processing of my credit file to ensure that ALL federal laws have been applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MS
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 account XXXX, XXXX XXXX account XXXX, XXXX  XXXX account XXXX, has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Universal Technical Institute
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I filed a compliant against XXXX XXXX through CFPB because I had not received any written communication to verify the debt they claimed I owed for 5 months but was paying {$100.00} each month to them. The XXXX complaint came because even though I called 3-4 times each month from XX/XX/XXXX-XX/XX/XXXX, every phone conversation with a representative of XXXX XXXX was ineffective in obtaining clear information pertaining to my debt. The XXXX complaint was requesting that paperwork be sent outlining the account summary for my debt and providing proof that the {$100.00} payment each month was helping to reduce my debt. After the complaint a packet was sent to me but the paperwork was hard to read and did not clearly show how paying {$100.00} for 6 months helped lowered the amount I owed. 

I called XXXX XXXX on XX/XX/2019 after receiving the packet to get clarification on what the document was communicating. In my interaction with the representative she aggressive and dismissively informed me that my file was no longer in their facility. I asked why that was and she replied that she did not know because the file was not here. I asked how do I move forward with paying my debt off and she informed me that I should contact the original debt provider, Universal Technical Institute. She informed me that her manager would contact me to provide more information because she could not. The manger never called and still has not called, today is XX/XX/2019. 

I called Universal Technical Institute on XX/XX/2019 to get information about where my loan was and why it was being moved and if it can be moved back to Universal Technical Institute. A representative there said that once the debt is given to a collection agency it can not be given back and that XXXX XXXX by law has to provide information about where my loan is being transferred to and why it is being transferred. She encouraged me to call them back. I did and they have not picked up or called me back. 

The lack of communication along with the fact they incorrectly state my name on all documentation I have receive, is the reason I am complaining. This current complaint is about not receiving any information verbally or wirtten about why my debt is being transferred somewhere and why XXXX XXXX is incapable of providing quality service to people who are willing to pay down debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
*Fortiva Credit Account Number : XXXX *Account Name : XXXX XXXX DO NOT confuse this complaint with the other one. This is a different issue. 

This predatory company need to be out of business asap. This predatory company aims to destroy your credit not help rebuild it and i've worked too hard to get my credit right. I've never seen a company so many incompetant ignorant uneducated non-English speaking employees as this one. I've requested this company to change my due date several times thru their app by sending messages yet they've continued to LIE and claim not to have any messages from me. I requested more than once to have my due date changed to the XXXX of every month more than once and i have screenshots to show how it looks on their app. I've NEVER seen a company have an app that doesn't get their messages. On XXXX i once again called this company asking about a Financial Hardship. The so called supervisor i spoke to name XXXX XXXX which i doubt is his name he repeatedly threatened to report on my credit my account as late. Then he tells me they don't do anything like that to help customers. XXXX also told me if i made payment arrangements they would still report it as late to the credit bureaus. I was appalled because just about every company have some kind of Financial Hardship Department or some sort of Department when customers can't make a payment and this is my first time ever not being able to make a payment due to health reasons. I told XXXX XXXX i could make a payment on XX/XX/2019 and he kept threatening to report it on my credit as late. He also kept trying to force me to agree to a payment on XXXX which is also my due date. This XXXX XXXX character kept being sarcastic and ignorant and acting as if he doesn't comprehend anything. 

If a customer calls in and is trying to do the right thing this company will penalize you for doing right and messing up a person credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20, my bank statement indicated that there was a withdrawal of {$10000.00} from my savings account at Key Bank XXXX XXXX, NY by unknown person. This was not authorized by me or my joint account holder. Affidavit was submitted per bank 's instruction on XX/XX/20 stating that this was an unauthorized, fraudulent, and illegal withdrawal committed by unknown person. Police report was filed on XX/XX/20. To this date no funds have been returned to me and no indication of when I will receive my funds back. This is an outrageously long time for me to wait for my money to be returned. I am the victim of a crime and wish for a full investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I and my hushband both recieved a credit report alerts from XXXX, reads. Credit report alerts. Equifax credit report. Dated XX/XX/XXXX, Updated tradeline. XXXX XXXX. Equifax. XX/XX/XXXX Buiness name/address. Buisiness. Type. Account type/Status. Balance XXXX XXXX XXXX. Affected by natural or {$1000.00} XXXX XXXX XXXX. Declared Disaster XXXX XXXX, SD XXXX XXXX called last Sat., XXXX and was told they could not do anything about it They just put this on because of all the disasters, we had NO disaster here.. 
Today I, XXXX XXXX called security at XXXX, and after hearing the same thing, that they just put it on just in case, and they could not remove it or do anything about it, this was told to me as she was reading their report that they sent, she then told me I would have to do whatever with Equifax that I could, This freezes your accounts, Last night on the news, this was on and told that it was freezing peoples account that have this show up on their credit report. 
XXXX never contacted us and now they say they can not help, they put it on but can not take it off. My XXXX XXXX ending in XXXX. This is happening to others with different banks, XXXX was the one on the news, they were contacted by a reporter, after a family could not get a car loan because this was on, and they recieved the same answer from XXXX, that we got from XXXX. 
It had frozen their credit, XXXX said they would take it off, but not XXXX, I told her they have no right to just put anything on your credit report, that doesnt have anything to do with us, and mess up our credit and have it frozen. 
After the reporter got in on it, XXXX said they would clear it. I told her if they did not take care of this now, I would cancel my cards and never do busy with them again. Our credit is in the XXXX, s worked hard to keep a great rating, now they can just add fake reporting just because they want to, XXXX does not have a balance of {$1000.00} with XXXX and I do not have that balance {$1000.00} either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have health insurance. I have had health insurance. I should not have a bill and these should have not affected my credit score.

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 2023-08-13
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No actions taking my company unknown debt XX/XX/2019 {$350.00} have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the mortgage process with Mr. Cooper in late XXXX or early XX/XX/XXXX as we selling our house and going to purchase something else. Mr Cooper was the lender we had for our current mortgage so I figured it would be easier to go with them. 
Things started out great and within no time we had pre approval on a loan and just needed to find a home. 
Our home sold pretty quickly and within a week or so we found a property and put a contract in which was accepted. Copies of the contract were sent to our Mr Cooper representative. More information was needed from a HOA as we were buying a condo. 
Our realtor called our processor several times to make sure the lender had all they needed and was assured things were good. 
A week before the scheduled closing date ( XX/XX/XXXX ), we were still waiting on loan approval. 
When I called 5 days before closing I was told the lender was waiting on HOA docs from the property manager. 
I had the sellers agent calling out agent wondering where our approval letter was. 
Within 7 days of closing we were told we needed to have new credit reports pulled, needed HOA documents, new bank account statements, etc. 
After over 40 daily emails and countless phone calls 2 days before settlement we got loan approval. 
My problem is that our processor left our file untouched for at least 10 days while telling us and our Agent she had all she needed. 
We had to resort to yelling, cussing and everything else available to us to get them to get this loan approved. 
They turned what should have been a happy experience for us into a miserable, stressful XXXX wrenching experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: IN
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

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 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
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:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX Fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 My only employer is XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are 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 2020-12-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
In XXXX, I attended XXXXXXXX XXXX  ( formerly XXXX XXXX XXXX ) in XXXX, Fl. I was informed by someone in admissions that I could not take out a Federal student loan with XXXX XXXX ( now Navient ) because I have exhausted all possible funds and had to apply for a Private student loan through XXXX XXXX. I thought it was odd considering, at the time, I only had about $ XXXX - XXXX in current Federal student loan debt from my XXXX degree in XXXX. But I complied, because I wouldn't have been admitted if I hadn't. I took out a {$10000.00} private loan. Since graduating, I've had a mix of difficult times and going back to school. So the loan has been put on deferment and forbearance along with late payments up until XXXX. In that time, my {$10000.00} loan skyrocketed to {$30000.00}. I have been making good on ALL payments to Navient since XXXX. In 6 years of good payments, the {$30000.00} has been paid down only about {$5000.00} and is now at {$25000.00}. I've been paying mostly interest for 6 years and not expected to pay off the loan until XX/XX/XXXX! 
When I spoke to the complaint dept at Navient, they confirmed that I should have been able to take out a Federal student loan back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Direct Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A week ago a friend ( not even anyone I'm related to, nor would I ever use their information on anything I ever do ) was contacted regarding a " debt '' that I owe. I do not have any accounts in collections, nor have I been called or emailed or received a letter myself about my own so-called debt. I'm pretty sure it's a scam, but my personal information is being given to someone that isn't even related to me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT XXXX XXXX XXXX XXXXXXXX. 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. 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