BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: Union Adjustment Company, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Received Stop Release due to garnishment and company Union Adjustment XXXX. XXXX XXXX XXXX, Ca XXXX XXXX. Has submitted a new garnishement same case # XXXX. XXXX County, Superior Court ... XXXX Ca. The stop release was given back in XX/XX/XXXX and XX/XX/XXXX here they are again taking my money. Company I purchased a car from over 15 years ago refused to fix a broken computer chip. Had not been 3 months. So I did vouluntary reposession and I ended up out of money put down and car i used as part of down payment. And had no transportation. Now all these years later these people who I do not owe a dime are garnishing my check for the XXXX time ... Please make this stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Bliksum, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I 've received an unsolicited loan offer with an annual interest rate ranging from 99.75 % to 184.36 % from a company called LoanMe, Inc. based in XXXX, CA. ( License # XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
The company XXXX XXXX XXXX has been harassing me for two years now demanding payment from me even thought I have paid off this account as agreed and have file bankruptcy a few years ago on this account they keep trying to collect from me. Now they have contacted another collection company to called LVNV to try and collect monies from me and have violated my rights under the Fair Credit Reporting act-they have put this inaccurate information on my credit report which has caused my score to drop XXXX points which has made it difficult to by a XXXX unit building. The current company that has been harassing me is XXXX XXXX bank in XXXX XXXX NV. I have also looked online for information regarding LVNV most consumers state that the company is a scam. I have contacted LVNV and they are not pleasant to talk to and they have not done their due diligence regarding if this was a valid debt. They just sent negative information on my credit report which has affected my life tremendously, XXXX XXXX XXXX has been harassing me also for the last two years I paid the credit card off and on my credit report from Equifax in the year XXXX/XXXX/2014 states that XXXX has been paid as agreed and they close the account and now trying to get more monies out of me. I called they customer service number and they state their is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a complaint with the CFPB regarding an issue with Equifax reporting XXXX XXXX XXXX accounts that I was an authorized user on. I am no longer associated with the account so I requested the accounts to be removed. The CFBP sent my complaint to Equifax and I just received an alert that the accounts are still on my report and no longer in dispute. This cause my Equifax FICO score to drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had an Inquiry on my credit report from XXXX, So Icalled XXXX in XXXX Texas where this Inquiry came from. I spoke with XXXX different people they ran my SS # they also ran my last name and my phone number as well. I was told they have no knowledge of any of this so I reported it to equifax as fraudlaunt and they respond with this letter within a few hours claiming it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Sir/Madam : I made a dispute with Equifax on XXXX XXXX, 2016 in regards to a negative information reported by All Student loan Corporation on XXXX XXXX, 2016. It reported a decrease of my credit line. I do not have a credit line with this company. I have student loans that I consolidated with XXXX and another with XXXX ; both are on forbearance. I would like the negative reporting be strike out from my credit file on all XXXX credit reporting agencies : Equifax, XXXX and XXXX. I have attached XXXX documents : ( 1 ) negative credit report by XXXX XXXX XXXX XXXX ; ( 2 ) XXXX indicating forbearance status ; ( 3 ) XXXX showing forbearance status. I can be reached by email at XXXXXXXXXXXX. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have supplied several times forms to delete XXXX from my account. However, Due to the investigation process either Equi-Fax does n't respond or simply leaves the information on the report causing my score to be low and I eventually lose opportunities to purchase a house or car

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been trying to have Equifax remove XXXX satisfied public records/Judgment. XXXX Credit agency has removed the XXXX satisfied judgments totally from my report but, Equifax Still holds, displays & advertises that said judgments as Public collections on the credit report. I have been trying to repair my credit but Equifax needs to remove this displayed satisfied judgment. We are looking at a satisfied judgment from 2010. I believe It has passed the statute of limitations for sometime now & needs to be totally removed from my report. Please help me with this problem. And thank you in advance for any considerations to this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I got a loan in XXXX 2011 from Stafford loan for my XXXX at XXXX University. I recently found out I was involved in predatory lending on this {$8500.00} loan. The lender actually took the 6.8 % that I was anticipating, but also took another loan out for {$0.00} at 6.8 %, so I was paying 13.8 % on that loan. I consolidated it last week so it would n't happen anymore, but wanted to find out what I could do to get the extra money I paid in interest back from 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX US DEPARTMENT OF EDUCATION : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
When I recently raised a discrimination complaint against Equifax , they retaliated with my and reinserted XXXX prior State Tax Public Records which were previously deleted and paid. These public records were not on my file in XX/XX/XXXX and were deleted by Equifax last year in 2015. This is blatant Credit Discrimination in itself towards XXXX XXXX who are trying to progress financially and obtain access to credit as other majority U.S. Citizens. I am requesting the GA State Public Records be removed from my Credit File which were previously deleted by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax markets a 3-in-1 Credit Report product that only includes information that the credit reporting agencies are required to provide for free. I understand that the terms of the product do not state that credit scores will be provided, however it is clearly misleading to offer a paid product next to your free report that contains no additional value for the paying customer. 
I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX on a debt they claim there client XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I owe. indicating I owed a debit to XXXX XXXX XXXX XXXX XXXX for the sum amount of {$210.00}. I sent XXXX letters to the collection agency and also to the vendor. The XXXX letter was dated XXXX and certified receipt. I advised this debit was not due or owed, and we did not order the services. The vendor actually did n't sign for the certified letter but the collection agency did. I asked in the letter to correct the account as we did n't owe the balance, and requested they respond within 10 days of which I received another letter today. Today 's letter simply states per my request they are enclosing supporting documents for the debit owed, it is simply the vendors invoices. 
This is becoming a paper chase and my fear is they will report this in my credit. Need your help as I advised in writing the debit was not owed XXXX and certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Vantage Sourcing, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous emails and calls from a company claiming to be collecting a debt. They obviously have my name and telephone number. But they call to say I have a debt but I ca n't find out what it is unless I give them my SSN. They wo n't send anything via hard mail. I ran all of my credit reports and have no outstanding debts anywhere, so this is obviously a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: First Data Corporation
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
My mother-in-law wrote a check at a XXXX ... the cashier processed the sale, but the check was written for the wrong amount. My mother-in-law went to the bank and store to try and resolve the issue. Not sure what happened but since then XXXX turned this over to a collection agency which " flagged '' her checking account ( which is all she uses, no Credit Cards or cash kept on hand ... she is over XXXX ). The credit Agency which I called today made me make a second payment of {$47.00} ( {$25.00} " penalty '' plus the original wrong amount ). They did not offer to send back her mailed in check payment and have not guaranteed she will ever get the money back, i.e. they are collecting this debt twice. Further they are using two separate companies to confuse people. The company that you call is XXXX XXXX XXXX while they company hired by XXXX is TRS Recovery Services. This allows each of them to not take ownership of what the other mistakes are done. However, they both have the same address, which is XXXX XXXX XXXX XXXX XXXX TX XXXX they have a XXXX in the same town/zip. They also pulled the trick of making me get her on the phone to authorize me to talk on her behalf, only to say when I called back that they had no record of it. 
They would not provide me with a address at first until I told them that I was filing this complaint. This type of practice should not be tolerated ... especially to older people. The mistake was not my mother-in-laws but the cashier at the store. Now she has had her checking account flagged thru " tele-check '' ( not sure if that this the right company ). TRS is completely unwilling to take accountability for what XXXX has done going as far as to say they are different companies ... how can that be when they have the same address??? Please help stop this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/XXXX I filed a complaint with CFB case # XXXX in regards to Equifax multiple discrepancies of their reporting of XXXX Account on my credit report. On XXXX/XXXX/XXXX Equifax submitted their resolution to CFB and myself of the action they had taken in regards to these discrepancies : " Company responded Equifax said : Explanation of closure Equifax has reviewed the complaint and it 's records. The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 
Relief The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. '' Well on XXXX/XXXX/XXXX Equifax undid their relief and reinserted the payment history nor was I informed of them doing such. I did not receive any type of notification from Equifax about this reinsertion within 5 business days or any days. Had I not checked my credit score via XXXX XXXX I would have never known. Equifax has been reeking undue havoc on my life with their improper reporting of my credit file. When I called Equifax about this matter all they do is read you a script and does not try to do anything to fix their mistakes. I have since sought out legal advice and will be moving forward in that direction. It appears Equifax is only satisfied when they are being sued and at this point they try to do right by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To Whom It May Concern,. 
Pressler & Pressler , LLP placed a wage garnishment against me and my employee pay wages. for a credit card debt that I do not owe nor own. Pressler & Pressler garnish my wages from my employment without my knowledge. I Did not receive no court dates to be aware of what my pay check was being garnish for and the percentage. I arrived at my job to start my day. An envelope with confidential stamp on it. that 's when I was aware that Pressler & Pressler garnish my pay check for a debt I do not owe. I file For a motion to go into court on my own. and attorneys were not present in court. but wage garnishment is still being deducted from my paycheck. For a debt I do n't own nor owe. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife has her house financed through the Virginia Housing Development Authority. In the last year we have had to change our home insurance policy on that house. VHDA has continually made mistakes with correctly paying out the policy to the provider XXXX XXXX insurance Company with XXXX as the agent ) via the escrow account. It was so bad that at one point because VHDA paid out to XXXX wrong insurance providers, who were not XXXX, XXXX and XXXX informed us that they were going to drop us due to non-payment. We thought we had that whole issue taken care of in the XXXX timeframe of this year. However about XXXX months ago we got notified by VHDA that the escrow account was shorted by over {$1200.00} and therefore the mortgage payment on the property was increasing by over $ 200/month to cover the shortage. The reason for this shortage was because VHDA had paid out, twice for about {$1200.00}, insurance companies who were not our providers. Therefore After spending over XXXX hours on the phone with XXXX trying to understand what the issue was and who caused it, my wife and I thought we had this issue taken care of. VHDA even sent us an annotated print out showing where they had sent out XXXX incorrect payments, received return payments from those companies and finally paid out, correctly, to XXXX XXXX. Therefore, my wife and I thought everything was taken care of both with XXXX, to ensure we had insurance on the house, and VHDA, such that there was no longer a shortage in the escrow account. However, when we went to make the monthly mortgage payment this month, the payment amount reflected an amount that VHDA told us we would have to pay because the escrow was short funds. What I am filling a complaint about is this issue. Why do I have a document from VHDA showing that my escrow account is in good standing and any issues with the lack funds in the account are as aa result of their mistakes and not ours as a homeowner, and somehow I 'm still responsible for missing funds that should n't be missing from my account in the first place. This issue has been ongoing for almost a year and we would like it resolved. 

ThanksXXXX and XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22, I became aware of three fraudulent withdrawals from my checking account totaling {$11000.00}. The withdrawals took place on XX/XX/22 and XX/XX/22. I immediately froze my account ( I was in XXXX for medical treatment ) and filed an unauthorized ACH Return Form as directed by the BofA representative ( XXXX ). After hours of unsuccessful attempts by phone to resolve the problem ( previous number, and XXXX, XXXX, and XXXX ( XXXX XXXX who never returned several voice mail requests ) ), I halted my medical treatment and flew back to the US with the idea that I needed to address this problem with someone " in person ''. Once in the US, I was not referred to anyone, being told that there was no one at any branch who could help me and was given one of the above numbers and told to call and play the same " waste of time '' game. I am of the opinion that Bank of America has instituted a " policy '' which makes it all but impossible to satisfactorily resolve the loss of my money.

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 monetary relief
Consumer complaint received 2016-07-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My XXXX XXXX account has a credit limit of {$2500.00}. I have disputed this directly with Equifax twice and their update states my credit is {$650.00}. The other credit bureaus are reporting the correct credit limit. XXXX XXXX has the {$2500.00} credit limit in their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Equifax requesting that the inaccurate debt information and public record listed on my credit report be removed. I did not receive a response.

Company response to consumer: Closed with non-monetary relief