BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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: Reporting company used your report improperly

Complaint:
This is to inform that i have not given your company any consent to furnish any accounts on my behalf. i do understand that your company assumed this role. But because of your reporting it has drastically affected my livelihood. I have been denied limit increase on credit cards Also been denied credit cards. Due to your organization furnishing accounts without my consent.

There is no law that says that stats anything needs to be reported to a consumer reporting agency. Which makes you liable for what is being reported.

Also, according to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartiality, and a respect to the consumer rights to privacy Your organization didn't honor your responsibilities with fairness impartiality, nor did you protect my rights to privacy.

I request that you give me a piece of evidence that the information which is being reported has been properly investigated Also provide details of the system adopted by your organization to determine whether the transactions took place or not. I have been trying to handle this matter since 2021 and also seen an article that shows that your organization have not been properly investigating consumer disputes.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization didnt not adopt such procedures that meet the need of commerce for consumer credit as a result I demand that you do the following XXXX. Delete the following late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of Ed? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delete the following collections and charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Fay Servicing, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Faye servicing is my mortgage carrier, I had damage to my property on XX/XX/2020. My insurance company issued a check for {$4800.00}. The check was written to me and Faye servicing. Faye servicing said I had to endorse check and send to them.

And go to insurance check XXXX. However Faye servicing and this company took the money and has refused to issue a new check. Instead, they required a list of documents needed for the funds to be released. These documents include : contractors license, w9 form, sign contract, and lien waiver. I sent this in and they rejected w9 and lien waiver, per Faye servicing they wanted these forms in there company form. I sent the new forms in and again they refused to issue the replacement check. They then stated they do not accept XXXX contracts and I would need to get physical signatures. 
The rejection of documents has been going on for 15 business days. However, this company is holding onto checks and making interest on funds while the consumer has to jump over hoops to obtain insurance funds that are rightfully theres

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Financial Service Center of Ohio, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out a title loan for my ex-husband at the time of the loan I was not employed. XXXX  did not verify if I had income as a means to repay the loan. XXXX  did however verify my at the time husband 's income. As well as had my husband sign a power of attorney. My husband and I are now divorced, and not to mention at time of the said loan in XX/XX/2018 I was partial in patient for XXXX XXXX reasons. Now the company is threatening to repo car. Was divorced less than month after the loan due to XXXX  XXXX. I haven't worked for two years because I'm 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 2023-11-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/2022 XXXXXXXX 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 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   XXXX. I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2023-11-29
Company: EQUIFAX, INC.
State: FL
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 am a natural person ; I am a living human being. I have rights under 15 USC 1681. Equifax is given by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXXXXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX Date of inquiry XX/XX/XXXX XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Reported balance {$3000.00} XXXX XXXX XXXX : XXXX {$1700.00} XXXX XXXX XXXX : XXXX View Account XXXX Reported balance {$4900.00} XXXX XXXX XXXX : XXXX balance {$3500.00} Date reported XX/XX/XXXX XXXX XXXX XXXX : XXXX {$1500.00} XXXX XXXX  XXXX : XXXX {$3500.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: CA
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:
This complaint will be my follow-up to make sure that these items that are reported to my credit file are removed : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} Make sure that the aforementioned items are removed from my file

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 2019-12-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the Fair Debt Collection Practices Act ( FDCPA ) I have the right to request validation of the debt that you say I owe you. Your offices have failed to provide any information tying this debt to me. I have yet to receive any proof of documentation that proves that there is some contractual obligation that is binding me to pay this debt. Your offices have continued to report invalidated information to the three major credit bureaus and in such, this may constitute fraud under both federal and state laws. I have disputed these claims and your office is telling me that this is mine. How is that? If anymore action is taken that is considered detrimental to any of my credit reports, I will seek legal counsel. Once again, please provide the following : Please identify the original creditor. 
Please provide the original contract from the original creditor and I showing my signature. 
Please provide the assignment contract between your office and the original creditor. 
Proof of licensure to collect in the state that I live in ( TX ).

Provide line by line accounting of the original account.

Proof that you are in compliance within the statutes on limitations for the state that I reside ( TX ).

If the debt that you say I owe cant be validated, then I ask that you remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is Transunions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Transunion is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Transunion violating my federally protected consumer rights. To add to this, I did NOT give Transunion written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). 

It is clear that Transunion violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.

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 2022-03-14
Company: Continental Finance Company, LLC
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:
my former brother in law and co worker XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance

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 2022-08-26
Company: EQUIFAX, 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:
As of XXXX XXXX Equifax is showing I have a balance of {$4900.00} on my credit report from XXXX XXXX This is not a true statement, XX/XX/2022 XXXX was paid on this account As of XX/XX/XXXX the balance is XXXX I did not owe anything to XXXX XXXX Not one dime and they refuse to update my credit report I made a call to the company and the worker stated he could not pass the call on to a Manger and my account could not be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, I am a XXXX program participant ( XXXX XXXX with XXXX XXXX XXXX ) and previously resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ) until XX/XX/XXXX. I currently reside in XXXX, XXXX I only just learned today that a collection agency ( Fair Collections & O ) submitted derogatory information about an alleged debt owed ( {$1300.00} ) in XXXX of this year. At no time did this collection company or its employer ( XXXX XXXX XXXX ) make a reasonable good faith effort to contact me directly, either by by email mail or telephone to inform me that my resident ledger had a balance owed. 
At the time of my departure I did not owe any monies to XXXX and it remained in possession my rental deposit. During the month of XX/XX/XXXX I provided XXXX XXXX XXXX XXXX XXXX with my updated contact information when exchanging emails that focused on scheduling and finalizing a day/time for a moving company to transport my few remaining belongings to XXXX ( I was not present in XXXX when this move occurred. ) Interestingly, the last email that I sent XXXX requesting information about returning my keys to their property went unanswered. Fair Collection & O AND their employer XXXX  were at all times in possession of my recently updated contact information and neither company made a reasonable attempt to satisfy their due diligence prior to submitting false derogatory information about their claims of money owed. Subsequently, as a direct result of this companys actions, which are in direct violation of The Fair Debt Collection Practices Act, my credit score at two major credit bureaus had decreased XXXX and XXXX points. Where are my consumer protections please?

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 2023-03-23
Company: LFG Data Services Holdings, LP
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: Reporting company used your report improperly

Complaint:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2019-12-06
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently recertified for my income based repayment plan. In the last two years the company has solely been going by my income, because my husband doesn't have student loans, and using my son as an dependent. In the last two years my payment was $ XXXX/month. My new payment after recertification is XXXX, the letter determination was for XX/XX/19. I called today, XX/XX/19, to ask why my payment amount had gone up, I was directed to the IBR department where I was accused of lying on my other applications and that only this application was accurate. When I asked what caused the change I was given no answers and was told my application couldn't be discussed. I'm not sure how I'm supposed to correct an error when I don't know what was wrong. I'm not a loan officer and I wouldn't know what I answered wrong this time. I was told to go back and look at the application. I did it through their website but a copy isn't there. My income hasn't changed since the first application I haven't worked except holiday positions because I stay home with my son. I hate trying to find answers and they choose to be ambiguous and not be helpful. My family can't afford student loans. My first year on the plan their were XXXX people in my household because we were taking care of my husband 's niece and nephew and received survivor benefits for them the second year my son was born and our household size shrank to XXXX because our niece and nephew no longer live with us and it has been that many in our household since. I have never lied on my application and I don't appreciate the associate accusing me of not being truthful on previous applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I request a signed document from the company with my signature for verification of a debt for XXXX the date of my letter XX/XX/2020 no action taken by the company, I also disputed with the 3 credit reporting agency many times, they keep saying verified, how when they can not prove to me thats my debt.

Company response to consumer: Closed with non-monetary relief