BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
In response to complaint XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for furnishing this false and misleading charge off to my consumer report. 
World Acceptance Corporation stated, XXXX XXXX received a loan from our XXXX, GA branch on XX/XX/2017, in the amount of {$420.00}. 
XXXX aware that my signature paid for this transaction, and nothing was actually loaned to me. To insinuate that I was actually loaned anything of equal value constitutes a fraud being committed. 
If this bank did indeed give me a loan as they allege, I would need a senior XXXX member of this organization to put on a sworn statement of facts attesting to that. I am aware that obtaining money by means of a fraudulent loan would make World Acceptance Corporation liable for civil and criminal penalties under 18 Code Code 1341. If this cant be done, World Acceptance Corporation cant allege they loaned me anything and shall return to me, by way of check to the address on file, the {$70.00} I made to this fraudulent loan. 
World Acceptance Corporation state XXXX XXXX debt was charged off, not canceled. 
I would like to thank you for clarifying that the alleged debt was charged off an because it was charged off, I am aware that collection activity should have ceased. Collection activities include reporting delinquencies to the consumer reporting agencies.

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 
This account is reporting as both inaccurate and false and misleading. You are now committing unlawful extortionate collection activities and in violation of 15 Code 1681s-2 by furnishing knowingly false and misleading information as a means of coercing me to pay this alleged debt.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 
This is my refusal to pay this alleged debt until the documentary evidence requested herein this complaint is provided. 
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
It has bee over 60 days and no response from the Equifax. Please have to correct or remove this information ASAP! As I can not get credit do to this errors. 


XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Equifax XXXX XXXX Imply an investigation on the creditor, payment status, high credit, and the 24 month payment history. 
XXXX XXXX XXXX XXXX I am puzzled on this accounts information such as the payment status, comments, high balance, and terms. 
Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX Can you make sure my name is presented completely. 
Update. XXXX XXXX XXXX A verification is needed on the status, comments, and the payment history. 
There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX HM MORTGAG XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff. 
XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THE ACCOUNTS ON THE EQUIFAX REPORT ARE WRONG AND ARE IDENTITY THEFT FRAUDALENT ACCOUNTS. I WANT THESE REMOVED, BUT EQUIFAX DOES N'T COLLABORATE AFTER ALL THE EVIDENCE THAT I SENT SUCH AS POLICE REPORT, IRS AFFIDAVIT, MY GOVERNMENT ID, SSN AND FTC IDENTITY THEFT AFFIDAVIT AS WELL. 
THE UNAUTHORIZED ACCOUNTS ARE : ( XXXX XXXX XXXX ) AND XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


US DEPT OF EDXXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Account Balance : {$0.00} ; XXXX XXXX XXXXXXXX Account Balance : $ {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Account Balance : {$57.00} ; XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$170.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$630.00} ; XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previous information was deleted because these companies were not able to verify the account was mine " XXXX XXXX XXXX '' and " XXXX '' they have since then shown back up without notice. Why would you allow them to report again if they did not have valid proof or could n't validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, at XXXX I had got an alert from XXXX XXXX XXXX Experian XXXX and XXXX XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.

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 2016-07-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In addition to my pending case with CFPB ( CASE NUMBER : XXXX ), Equifax deleted my ENTIRE credit profile on XXXX XXXX, 2016 after I submitted a dispute regarding inaccurate information listed in my credit profile. Equifax subsequently removed all the information from my Equifax dispute profile to cover their tracks but, I have proof the credit file was deleted along with inquiries and inaccurate information was re-inserted without notification. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my credit report and since Equifax failed to notify me they broke the law. 
Equifax violated my rights under the FCRA SECTION 611 laws. 
I have proof of the removal on XXXX XXXX, 2016 and the reinsertion from Credit Karma as well as an updated credit file Equifax provided after my initial dispute in CASE NUMBER : XXXX instead of Equifax correcting my credit file they deleted the entire profile then in-served inaccurate information that has been detrimental to my credit and has caused me to be denied credit. 
I have attached the credit file from Equifax the shows the deletion and reinsertion of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Big Picture Loans, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday, XXXX/XXXX/XXXX at XXXX XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for XXXX XXXX XXXX informed me that her client was Castle Payday Loans ( now Big Picture Loan XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX XXXX I contacted Castle Payday Loans ( now Big Picture Loan ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, Castle Payday Loan still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX AM PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX AM PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to XXXX XXXX Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was victim of ID theft back in XX/XX/XXXX-XX/XX/XXXX, where my pre-existing credit cards incurred fraudulent charges and new loans were fraudulently acquired in my name as well. I was in the XXXX during this time and upon my return found out about the issue. 
Pursuant to the FCRA, I filed a police report and reported the issue to the Federal Trade Commission, both these institutions investigated the incident and declared me a victim of fraud and ID theft. 

I wrote to the bureaus, provided them copies of the FTC ID theft report, fraud Affidavit and the Police report, with which they were to block the fradulent information within 4 days of receipt of my correspondence. Experian and Transunion duly complied. Equifax flat out ignored my request and continues to violate the FCRA by persevering with reporting the fraudulent information. I have attached the excerpt of FCRA 605B that states the credit bureaus are to BLOCK fraudulent information within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was the defendant in a civil case in which I counter-sued. I won the final case, and was awarded a judgement against the plaintiff. Equifax simply saw a judgement and me as defendant, and reported the judgement as against me. I disputed the error on my report, and even included copies of the final judgement with my dispute. I 've double and triple checked with the clerks office as well, and they assure me that their office is correctly reporting the judgement as in my favor. Still Equifax refuses to look past the initial glance at the judgement, claiming this is indeed a judgement against me. This despite the available public records showing that I 'm the one owed money, and my copies of the court papers that I actually sent them. I 've been told that I can have the judgement marked as in dispute now, but that the error will remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE A COLLECTION ACCOUNT ON MY CRDIT REPORTS FROM A COMPANY NAMED XXXX XXXX, I AHVE EVER HAD ANY TYPE OF ACCOUNT WITH THSI COMPANY, THIS COMPANY VIOLOATES ALL OF ANY PERSONS HIPAA RIGHTS BY REPORTING TO THE CREDIT BUREAUS.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE A COLLECTION ACCOUNT ON MY CRDIT REPORTS FROM A COMPANY NAMED XXXX XXXX, I AHVE EVER HAD ANY TYPE OF ACCOUNT WITH THSI COMPANY, THIS COMPANY VIOLOATES ALL OF ANY PERSONS HIPAA RIGHTS BY REPORTING TO THE CREDIT BUREAUS.,

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 2015-11-13
Company: CORELOGIC INC
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The report associate me with people in XXXX, XXXX & XXXX PLEASE help me with this, the credit agency gave me your inf. to contact you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XXXX I checked my credit expecting to see a rise in my score because I have paid off a collection account in full. XXXX XXXX XXXX XXXX {$870.00}. I Paid through XXXX XXXX XXXX. Instead XXXX XXXX XXXX was dropped from my report and my credit has dropped 21 points. It is supposed to rise 25 points when you pay off a collection account in full. I have a Thank-you letter from XXXX XXXX XXXX showing the amount and that it is paid in full. The original creditor, XXXX XXXX XXXX XXXX, is still on my report showing it was charged off. This is just wrong! I am being penalized for paying off a debt. I filed a complaint with both XXXX and Equifax. They sent their results today XX/XX/2020 and stated that the information is correct and the dispute was closed. How is this possible? I would like them to put XXXX back on my report showing it is paid in full and giving me the corresponding rise in my score ... .. 
Thank-you for your time in this ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: DE
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account 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 2016-08-05
Company: Big Picture Loans, LLC
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with Big Picture Loans on XXXX/XXXX/16, and I did n't realize the full terms, conditions, and most importantly the interest rate! The interest rate on my loan is 830.8277 %! How is it legal to charge me, or anyone this much? There 's no possible way i can fulfill the terms of this loan! I 've made one payment of {$210.00} on the loan already! I filed a compliant with the XXXX, and it did no good! XXXX XXXX Loans is insisting the least they will take is {$810.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a new bank account with Citizens Bank on XXXX. I went to a branch on Saturday XXXX and deposited my check with the teller XXXX. XXXX told me I would have access to the funds on Tuesday XXXX, but woke up this morning to the check being placed on an extended hold. After calling the customer service line I was told to go to the depositing bank and that is what I did. I waiting from XXXX until XXXX for XXXX the branch manger. She told me it is not the responsiblity of the teller to advise me of the 5 business day hold and also that he is new. The responsiblity is the banker who opened my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I tried to dispute it with Equifax and XXXX but they XXXX put up a wall and made it so I could really not get into contact with them. I suspect like XXXX, they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all XXXX credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, at XXXX I had got an alert from XXXX XXXXXXXX XXXX XXXX XXXX and Equifax XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022, at XXXX I had got an alert from trans Union XXXX XXXX XXXX and XXXX XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.

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 2022-04-20
Company: AMERISAVE MORTGAGE CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 I was approved for a home loan refinance with Amerisave Mortgage. On XX/XX/2022 my proof of income was verified by my employer. On XX/XX/XXXX, I e-signed an initial disclosure locking in my rate of 3.25 %. I chose to rate lock the loan with an expiration date of XX/XX/2022. On XX/XX/2022 my loan XXXX told me I was scheduled to close on XX/XX/XXXX. On XX/XX/XXXX I received notice that I had to sign a new disclosure when it was actually a new loan application listing a 4.5 % interest rate and reducing my documented and employer verified income by {$9000.00}. On XX/XX/XXXX and XX/XX/XXXX my loan XXXX said he would call me to discuss how to to clear up the issues. He has not returned any of my calls. I suspect the company is raising my interest rates due to the federal reserve 's recent rate increases.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed debts I have that are reported to Equifax as they were opened XX/XX/XXXX and according to NH Statutes there is a three year statute of limitations on collecting debt. When I filled out the dispute there were no choices for this situation but I marked off the closest " incorrect amount '' and then left a detailed comment explaining the statute and that the debts have been on the account for 5 years. Equifax investigated but instead sent it to the collection agency as a dispute about the amount on the bill, instead of what I had written in the explanation section and it came back as denied. Now the collection agency appears to have changed the date on " collection opened '' to XX/XX/XXXX on the credit report to try and restart the statute of limitations.

Company response to consumer: Closed with explanation