BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: PA
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 sent out a letter on XX/XX/2020 to Equifax to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my understanding, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt, the companies has received multiple police reports and FTC reports showing my identity was stolen, even the person stole it was caught. Even mo9re so, this company has broken MANY federal laws, as i am the " Consumer '' and never validated any of these debts. With all the supporting documents, i am still being harassed and reputation tarnished and affecvting my future because of laws being broken and false reporting that i have never gave written authorization to do so 15 USC 1681 [ B ] states

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: LA
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:
See attached ID theft report I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Navient Solutions, LLC.
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:
After XXXX  school, I could not afford my student loan payments. Several times between XXXX and XXXX, I contacted my loan provider navient for relief. Despite informing them of my employment in public service as a XXXX XXXX, navient never informed me of income based repayment or forgiveness. Instead I was told forbearance was the only option. I was a single mother. My $ XXXX in loans have grown to over $ XXXX as a result of deferments that were presented to me as my only option. Despite having been employed as a XXXX XXXX for 14 years, and having made payments for over ten years, I still owe over $ XXXX in student loan debt. I cant even save for college for my XXXX children because I am still strapped with so much of my own student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
No specific dates. I can guesstimate XXXX time frame because it was prior to my son being born. The original loan was acquired from XXXX XXXX XXXX off XXXX XXXX in XXXX, FL ... eons ago at this point. {$400.00} something dollars... When it landed at National Credit Adjustors LLC, we were in a bad financial position. However, paid off completely in XXXX to National Credit Adjustors after someone tried to scam us from a totally different company. It was reported to the XXXX XXXX XXXX. They were using my card to pay XXXX XXXXXXXX XXXX and their XXXXXXXX XXXX bill in Georgia. Well fast forward to XXXX XXXX - we are STILL getting threats and calls to be sued despite an email confirming payment from the credit Adjustors as well as a legal note saying we can not be sued for this debt. Now it just happens to be new characters that have false information in hopes to squander more money off a family who can barely afford to put food on their table! My kids can barely enjoy XXXX twice a year and they want to take our spending cash for themselves. It's just simply disgusting. It's selfish, rude and despicable behavior for a grown adult to commit fraud and theft for their lavish lifestyle. XXXX XXXX and XXXX XXXX as they've said their names are, who really knows, but have provided us their fax number as XXXX. In the voicemail they say they are a " Private carrier from the county, we will visit your job and require identification and signature ... '' Their call originated from XXXX and came up as Scam Likely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Purchased jewelry, we returned to the store due to the jewelry breaking, merchandise was returned and balance was XXXX. Now 6 years later it is affecting my credit score, collection agency is refusing to remove it without this documentation even though XXXX XXXX agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/XXXX I initiated a dispute with this company against XXXX XXXX XXXX for submitting a dismissed claim on my credit account. The claim is from XXXX XXXX account that was discharge in my bankruptcy in XXXX. The dispute was never investigated. I received a letter telling me to provide proof of address information, although the information in my credit account is current. I was told that the dispute couldn't be processed. Today, I received a message from Trans Union that my dispute was canceled as per my request. I never canceled the dispute. So many games being played by this agency affecting my credit and my life! I want these folks held accountable. Also, I settled XXXX negative accounts on my credit and my score was not affected. The accounts were simply removed. This is fraud and I would like an investigation.

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 2021-05-27
Company: EQUIFAX, INC.
State: OH
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:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the XXXX you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX XXXX XXXX  When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the XXXX XXXX XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

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 2021-05-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX and transunion has continuously and falsely verified this alleged account. Both XXXX and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2019-11-04
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB Management has attempted to put this debt as a different date as the previous creditor to make it appear on my credit report longer than what it is suppose to have been. I spoke with this company and the representative was extremely rude after some back and forth banter I hung up and decided to dispute the debt with the bureaus and they eventually removed it and then added it back closed it then opened it and now its open again stating that it was verified. 
I would like to know how this debt it being verified and they will not send me any info regarding the debt. It is {$8200.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX 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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX 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 Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
As the result of a single button-press in their XXXX app to receive more information, Wells Fargo enrolled me in a forbearance program for my home equity line of credit. 

I pushed a button in their XXXX app to learn more about payment assistance for my home equity line of creditseemed like a good idea given the uncertainties at the time. Next thing I know, I received a number of letters in the mail stating that they had approved a forbearance and that they were suspending my ability to draw on the remaining {$60000.00} available credit in my account. I did not skip any payments ( in fact, I made a {$5000.00} principal payment just after pushing the button ), and have a flawless record of on-time payments on this and all of my other accounts over my entire adult lifetime ( XXXX years ). My credit rating is PERFECT. 

I immediately phoned WF and spent weeks talking to more than 10 different people. Several of the people agreed to cancel the forbearance and restore my ability to make withdrawals, but in the end the forbearance was cancelled before it went into effect ( good ) but they said I would have to submit my two most recent income tax returns and re-qualify for the full line of credit before my draws could be reinstated ( not good ). I also asked WF to reverse the {$5000.00} payment I had just made. They did not refuse but kept stalling me until it was too late. According to WF, because I applied for a forbearance ( I merely wanted more details ), that indicates that Im having financial problems ( Im not ), and they dont want me to get further in debt. How someone with their assumed " financial problems '' can make a {$5000.00} principal payment I don't know. Im lucky, I have other assets I can draw on. But someone who doesnt have other assets and was negatively affected by the current COVID-19 crisis would almost certainly be forced into foreclosure were their access to {$60000.00} of available credit to suddenly disappear. Perhaps thats the goal. In my case, Wells Fargo could take possession of a $ XXXX house for $ XXXX and keep the difference. Seems like a tidy profit opportunity to me. 

Adding insult to injury, my credit report still reflects {$180000.00} in available credit for this loan, even though Im locked out of $ XXXX of it. This essentially prevents me from obtaining a smaller line of credit to replace the frozen {$60000.00}. Whats more, as I pay down the balance, the amount of available '' credit ( which is actually frozen ) will continue to rise, so my borrowing ability will likely be hindered for the next 20 years or until the HELOC is paid off.

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 2020-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX/XXXX/22 the company XXXX XXXX sold a sick puppy to me. Not only were the selling practices unfair and unethical the contract and selling price of the puppy are not the same. As seen in the contract with XXXX XXXX XXXX XXXX the selling price of the puppy was XXXX with a XXXX tax fee. Now on the original sellers receipt which I have added below the sellers price for the Animal was instead XXXX. The contract and original sellers receipt both depict inaccurate information to the sell of the animal. I have reached out to the company on several occasions to alert the dog did not live past the warranty initiated by the original seller. The company then sold the account to a debt collector upon looking over the information. I plan to see higher counsel if the company does not attempt to settle the debt as stated in the contract the selling price and original price are not accurate. The itemized description states puppy the original selling receipt shows that the price listed and the price charged were in fact not the same.

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 2020-07-28
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt in the amount of {$69.00} showed up on my credit report. The debt is for Caine Wiener # XXXX. The telephone number listed is XXXX i called this creditor on XX/XX/XXXX and spoke to someone with the initials of XXXX.. The individual would not provide me with a name. I called to inquire about the debt listed on my credit report and the person would not give me further information in order to validate the original debt from 2016. The only information he would give is that the original debt was for XXXX XXXX XXXX. I asked for an invoice to validate the debt and he could not provide that but said i should contact XXXX XXXX XXXX. I have never once received any communication on a balance owed to XXXX so I can not pay this balance. I don't even know if this debt collection agency is legitimate, even though the agent says it is. How can I be certain? I called back on XX/XX/XXXX and spoke to a lady with XXXX XXXX She refused to give me her full name. Again, this company does not seem legitimate and makes me feel like they are trying to scam me out of money. Other than this collection, my credit is impeccable but this seemingly false debt is tarnishing my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT NAME : NAVY FCU ACCOUNT NUMBER:XXXX ACCOUNT NAME : NAVY FCU ACCOUNT NUMBER:XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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 information incorrect

Complaint:
XXXX XXXX is on my two other credit reports as charge off which is XXXX   and a Equifax. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys Equifax and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX   balance on Equifax and XXXX report because it hurting me and this all happen due to someone fraudulent information on my report

Company response to consumer: Closed with explanation