BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
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: Account information incorrect

Complaint:
Equifax and XXXX have put XXXX credit back on my credit file the court judgment was final in XXXXThey attempted to sue me and I had a lawyer they voluntarily dismissed the case and it was removed from my credit file. Now once again I see them back on my credit file this year reporting out of no where!! which has caused my credit score to drop tremendously is what the intent of the collection agency to do. They tried to sue but I obtain a lawyer and the case was dismissed by them voluntarily how then are you sneaking it back on my report??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Account status incorrect

Complaint:
As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2022-04-28
Company: Yamaha Motor Finance Corporation USA
State: FL
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, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Yamaha Motor Finance Corporation USA, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Yamaha account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied. Thank you. Best regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
In accordance with the Fair Credit Reporting, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.

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 2018-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sent funds via XXXX, was never sent tickets.

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 2021-03-30
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
US Bank canceled my loan with them without my notice. I want US Bank to reinstate my loan with them. US Bank breached my car loan with them causing me to possibly having my car repossessed. Once agin, I would like US Bank to reinstate my loan with them. There was no reason for them to cancel my loan with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Diverse Funding Associates LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents. 

I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old XXXX Collector refuses my attempts to settle.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
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 XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 602 A. States Section 2 : It also states a consumer reporting agency can not furnish a 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 2021-06-14
Company: Ocwen Financial Corporation
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We were in the process of refinancing when our title company when we learned that GMAC recorded a lien in error in XX/XX/XXXX. We had resend within our rights and a few days later we closed with GMAC and that lien was recorded as well. 

We are working with the title company XXXX XXXX  XXXX at a XXXX Connecticut and theyre stuck and not able to remove this error of a recorded lean which is not on our credit report. GMAC was Bought out by XXXX  who has since been bought out by PHH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was called from a representative stating they were from XXXX and there was a potential fraudulent transaction on my XXXX XXXX  account for a XXXX XXXX since I did not make that transaction, i pressed the number and transferred me to a " supposed '' XXXX security employee who had me download a remote access app XXXX  so he could help secure my XXXX from financial fraud on my Bof A account, he then accessed my phone remotely and said that he would make XXXX transfers in the amount of {$990.00} dollars, {$990.00} dollars, {$1400.00} dollars, and {$1400.00} dollars. The transfer was to the attachment XXXX XXXX YOU, and the XXXX rep said that it would get reversed and then my phone and Bof A account would be completely protected from any future fraud. he basically convinced me that my phone had been compromised and that i needed to protect it and my B of A account and the way to do that was use this app and he made transfers from my B of A checking account via XXXX into this anonymous account and he promised that it would be reversed right away and then I would be protected, but then I had been getting bad vibes from this, and finally hung up and called my B of A bank and asked what they were seeing, and I was expecting them to say that the charges were reversed by XXXX, but they said no these charges are real. The XXXX agent had authorized everything on my phone remotely and I personally did NOT authorize any of these transactions but i was allowing him access to my phone remotely b/c i thought he was from XXXX. So B of A  was able to catch the fourth XXXX transfer in time of XXXX dollars and that was immediately refunded and erased. the other three payments of XXXX dollars x 2 and XXXX dollars x 1 went through and they said to open a fraud claim officially with B of A and I did. REcently B of A contacted me and said that they do NOT think they can refund me b/c i authorized and did these transactions on my phone, but in actuality it was NOT me, it was the XXXX person accessing and doing it all remotely on my phone, HE was doing this fraudulently typing in all of the info, NOT ME, he had access and did all this, thus i strongly feel that i should be covered by B of A and refunded from this fraudulent claim into my account. Please help. B of A has not been helpful.

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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: College Ave Student Loan Servicing, LLC
State: NY
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 chose to refinance my student loans wit h College Ave l oans. They ultimately used  XXXX  as the refinance company.  <P/> CollegeAve/ XXXX  disbursed the payment and started accruing interest on   X/XX/17  a nd my previous provide r (   XXXX   XXXX   )  received/processed the payment o n  X/XX/17 . Ther e was a six day window where I was being charged interest in both places,  XXXX   XXXX  and  XXXX .  <P/> I have calle d College Ave about  once a month since  XX/XX/XXXX  when I realized this. Each time they told me they would escalate the issue and get it fixed right away. Clearly that has still not happened and is the reason why I am writing this.  <P/> CollageAve/ XXXX  must go back and recalculate all interest and payments that I have made towards this balance because I have paid more interest than I should since the Principal amount would have been lower each time they calculate interest

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 2022-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
And unauthorized credit file report sent to XXXX XXXX XXXX released by Trans Union on XX/XX/2021. I did not recognize nor authorize this inquiry about my credit score or file, since this inquiry may negatively impact my overall score I am concerned about its appearance in my file. I do not have nor ever had an account through XXXX XXXX XXXX. I realize that any bank may make an inquiry by law but they need a legitimate reason to do so and as a consumer I need to be informed of what that reason is and this did not happen in this case.

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 2017-06-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened X/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Members of my family and I have been receiving numerous threatening messages from a  Law Office  in regards to a claim or debt that according to them I owe.   XXXX   XXXX   continues to call numerous times and leave messages with the name of my mother or sister and myself.  XXXX  and others have called family members in other states as well as my immediate family and discussed random monetary amounts that according to them I owe. My consumer protection rights under the FDCPA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
Sometime in 2016 I had A Credit Card Account with USAA. I Paid The Card Off And Closed the Account. USAA Is Reporting To XXXX  That Credit Grantor Closed The Account, While at the same time Reporting o XXXX   And XXXX  That The Account Was Closed At Consumers Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
Hi I am submitting this XXXX 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to enroll in an income based repayment plan for 2 months. The first time I tried the loan company said they needed my tax information when typically in the past they electronically obtained it. This year, ironically I had to submit the document by mail, email or fax. I faxed the information and they wrote me telling me they could not enroll me in a program because they did not receive tax information. So I resubmitted an application to enroll in the plan and they said I was approved but told me I needed to fill out the, application again! My  XXXX  payment is due on   XXXX   XXXX   and it appears as if they are stalling me on purpose to ensure that I reach repayment status and end up in default. I can not afford to pay {$2000.00} in repayment. This is unfair to me as a borrower. I am depressed and going to see a psychiatrist because of this issue. This will ruin my life and I will certainly be in default by the end of the year if I can not enroll in this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a subpoena from XXXX XXXX Eaton Group in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. XXXX XXXXXX/XX/XXXX Hurricane Ida  damaged my home and I am now XXXX in Florida XXXX XXXX XXXX  I called Eaton Group XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said Eaton was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.

Company response to consumer: Closed with explanation