BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: NowackHoward LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I was served with a civil suit for a collection company Nowack Howard on behalf of XXXX XXXX for HOA fees. According to the civil suit, I was accused of not attempting to work out my debt with the collections company. This was not true. 

I spoke with XXXX XXXX, employee of Nowack Howard, and notified her about my financial situation. In our conversation, I told her that the house was on the market for sale and needed to workout any fees. On XX/XX/XXXX, I received a follow up call from XXXX XXXX XXXX, an employee of Nowack Howard. She notified me that everything was clear and emailed me a lien release. I still have the email. 

After receiving the civil suit, I tried numerous times to call and work with someone at Nowack Howard. Finally, I received a call from the Collections Manager, XXXX, and she was supposed to provide an account statement. However, she never did. 

On XX/XX/XXXX, I received a call from XXXX XXXX, and she was able to assist. I told XXXX about the lien release from XXXX, and she said that she sent the wrong information. I offered two settlement offers to the HOA because I did n't agree with the services rendered and all the cost associated. Both of the offers were declined. 

On XX/XX/XXXX, I started seeking legal advice. An attorney pointed out that I needed to answer the complaint with the courts and utilize my grace period. I thought I was supposed to work with the Collections Department at Nowack Howard. On XX/XX/XXXX, I filed an answer to the complaint. 

Due to not having adequate time to research, I ended up being forced to pay all fees, including attorney fees because we have a closing coming up on the house. Nowack Howard did not take proper responsibility for their actions. However, they took the opportunity of my lack of knowledge in the court process to gain money during my financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: The Law Offices of Jennifer McCoy, PC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, 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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX  have not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Improved Data Services LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IDS ( Improved Data Services ) contacted me via telephone. When I called them back they reported that they have attempted to contact me via mail to an address that I haven't lived at for three years. I don't know if the debt is accurate because they have the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: JPMORGAN CHASE & CO.
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:
I was sick in the XXXX  with XXXX  for 2 months and immediately upon discharge I contacted Chase and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX  with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. XXXX DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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: Account status incorrect

Complaint:
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Collection account. {$3400.00} past due as of XXXX XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in 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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT NUMBER XXXX XX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX CARD XX/XX/XXXX, XXXX XX/XX/XXXX, Members First XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with 10 different people and still no results.

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 2022-07-06
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX** 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After refinancing my mortgage a few years ago, the loan was sold to Freedom Mortgage. For much of the past two years of this relationship, this company has a knack of not properly applying my payments. I 've made more than 2 dozen phone calls to rectify these misapplications, have spoken to managers, and have submitted a formal complaint. Since their response to my letter, they have screwed up the subsequent 3 monthly payments. They choose to ignore what I write on the remittance advice and now thanks to their own advice, even instructions on the memo field of the check. Alas, they insist on applying my monthly payments to future months and curtailing the remainder rather than applying all the additional funds to principal. If I was no longer concerned with the accuracy of my account, I wonder when I make my final payment around the summer of XXXX whether I will receive the title then or when they have my payments applied out to sometime in XXXX. I am not interested in making double payments each month to escrow and interest ; I want my house paid off ... and not have the XXXX incorrect when I have to do tax preparation.

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 2022-07-06
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: PA
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, 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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX {$340.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX  ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXk XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Members First XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with XXXX different people and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to ameri home mortgage. The ameri home mortgage account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt. 
I call ameri home mortgage to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and ameri home mortgage still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: EQUIFAX, INC.
State: AZ
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:
re : my mortgage with XXXX XXXX Mortgage loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XX/XX/XXXX.they never wrote me or call me to ask me about this missing payment So onXX/XX/XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XX/XX/XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Equitable Acceptance Corp
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was under the impression that XXXX XXXX, XXXX was a Student Loan Forgiveness program. Since my enrollment last year, XX/XX/XXXX, the company has changed from XXXX XXXX to Equitable Acceptance Corporation to now XXXX XXXX! I received details on the change in a timely manner, however, when trying to get in contact with XXXX XXXX for at least a month, they informed me that Equitable Acceptance is NOT a Student Loan Forgiveness program! This is an issue as I have been making automatic monthly payments of {$49.00} since XX/XX/XXXX. This company did contact me during this time claiming they will assist with my student loan. When I called the company back in XX/XX/XXXX, as my re-certification for the income driven plan was due, the agent connected with the FAFSA, with me still on the line and proceeded to tell the FAFSA agent to place my account on forbearance. When they finished, I questioned why would there be any reason for putting my account under forbearance as I was paying a monthly fees. I was told that this will help reduce my current loan amount when my consolidation is over. I now owe Equitable Acceptance {$980.00} in order to cancel my account with them and to make ACTUAL payments towards my loan. I never wanted forbearance! The XXXX XXXX agent had me on the phone for nearly 1 hour, taking down all of my details AGAIN. All I want is to cancel this account and the XXXX XXXX agent said I had to continue my payments with Equitable Acceptance. I am very confused because supposedly Equitable Acceptance is no longer my representative as they connected me with XXXX XXXX. One of these companies is taking my payments, however, my student loans remain the same. I am afraid that these companies continue use the forbearance. Currently, I put a stop to the automatic payments for Equitable Acceptance and I am running the chance of the payments going to collection. I really need assistance to resolve this matter, even if it is at the very least the best advice you can give will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/2016 someone got a auto loan under my name. I do not own a vehicle or driver 's license.

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 2022-07-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2018-06-03
Company: Experian Information Solutions Inc.
State: NC
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 tried numerous times to get Experian to update my payment history with XXXX XXXX XXXX   XXXX. No one has been able to help me. Can you please update my account as this is affecting my credit in purchasing a new home for my kids. 

thank you.

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 2017-10-17
Company: Navient Solutions, LLC.
State: OR
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:
Over the course of many years Navient failed to inform me of my income-driven repayment options and allowed me to continue with forebearances. This resulted in accumulating massive amounts of student debt over and above the original loan amounts.

Company response to consumer: Closed with explanation