BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been going around in circles with eqifax with not being able to log into my account. Keep being told theres a problem with system and try in 24 hours well, that started 2 weeks ago. Call back, wait in hold, pass security checks to get the SAME CANNED RESPONSES. 

eqifax is reporting WRONG information, I can not dispute online, I can not log into eqifax and customer service does nothing. 

I need real action, eqifax is reporting scores much lower than the other two, and I cant fix it because I cant get past try to religious in 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: MI
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:
Reached out to Equifax multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Equifax has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Equifax did not have permissible purpose to report anything to my consumers credit report. Equifax received information from someone other than myself. Thats aggravated identity theft! Equifax also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Equifax must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In late XXXX I signed up for a checking account with First Tennessee with a promised bonus. I fulfilled the requirements and waited the required time frame for the bonus to post. When the bonus did n't post I messaged them and they said the offer did n't apply to my state. I asked for a link to prove that it did n't, because I did n't see it at opening - and I read fine print. I was given a different number to call and when I called it I was told there is a bonus code attached and he would check the landing page. Than I was told it was expired when I opened the account, than I was told it did n't apply to my state. When I asked for a link/landing page I was told that there is n't one and the customer service rep remembered this bonus code from 5 months previous and it did n't apply to my state. He said customers usually have their own proof for the bonuses. I think this is very dishonest since a large number of First TN bonuses DO apply to my state, I did review the fine print, and they have no record of their own offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Paid a 6 year, 1 week and 6 day old account off in FULL for deletion per discussion with live representative. The representative lied to obtain payment and company wont assist with the scam nor is employee still there. Account was never deleted years later and is now past it pushing 7 year negative account deadline. I have disputed it multiple times for deletion off credit account- account is paid in full not settled for this reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Tried to use all my American Express cards today after 20 years never late great credit American Express agent stated for abusive language on XX/XX/XXXX first was said I was in collections I asked what was said he did not know and referred me to a toll free number left 4 messages no responses from American Expess No notice at all totally closed 8 of my American expesss cards Mind blowing since I did not use any abusive language and agent could not verify Out of the blue closed everything after 21-22 years Canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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:
XXXX XXXX XXXX XXXX this account is involved in litigation XXXX  XXXX XXXX this account is involved in litigation XXXX XXXX XXXXXXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

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 2022-06-11
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:
XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX  XXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, Engelhadt V. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Accounts Research, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX  the  Manager a t Accou nts Research, INC. se nt a letter to my job and called my work phone. I even told him I had a patient right in front of me and he continue to threaten me ... .. " Do you want me to serve you papers '' ; if you would respond to the letter I would not have contacted your job!       XX/XX/XXXX   Main campus in  XXXX   XXXX    XX/XX/XXXX    XXXX  called directly to m y job    XXXX   XXXX   XXXX   in  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: North Shore Agency, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Reviewer, All the sudden I started receiving letters from XXXX XXXX ( a/k/a XXXX  XXXX XXXX ) claiming I owe them {$33.00} for some coin that they supposedly sent to me, and more importantly something I did not receive, and i never ordered. I called them and informed them that I have no idea what coin they are talking about, and I never ordered such item. I asked them to provide me " PROOF '' that I ordered such item, but I never received such prove. Next, I 'm receiving the attached collection letters from North Shore Agency ( NSA ). I called this NSA ( North Shore Agency ) disputing the alleged debt, and the representative on the phone did n't care to hear my side and he asked me to pay the amount or they would continue collections and report it to my credit report ( basically threatening me to pay ). At this point, I was self assured that this is a pure SCAM to force citizens like myself to pay this amount, and the sad part some people will probably pay it, simply to not deal with it. But not me, I will inform the proper authority to investigate this SCAM and fraudulent practices. Again, I never ordered any coins, and never received such coins alleged here. This company and agency are purely motivated to collect fraudulent alleged debt without any legal ground and proof of such debt. Furthermore, when I did a simple search on The XXXX XXXX, there are hundreds and hundreds of complains and scam scheme reviews with hundred of victims defrauded by these companies. I respectfully ask the state of Michigan AG office, consumer protection agency, and any other applicable authority by law to investigate these wrong doings and fraudulent practices by The XXXX XXXX, and North Shore Agency to force people pay for products that they never ordered, and threaten them to be reported on their credit report. I have attached the Letters I received from North Shore Agency. Thank you for your attention to this matter Respectfully Yours, 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 explanation
Consumer complaint received 2022-01-26
Company: ALLY FINANCIAL INC.
State: TN
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:
I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX  XXXX. They ran my credit for XXXX XXXX XXXX, Ally Financial ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.

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 2022-06-11
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: Reporting company used your report improperly

Complaint:
An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: Reporting company used your report improperly

Complaint:
An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX 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.

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 2017-07-23
Company: Westlake Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I took out a small title loan on my paid off XXXX XXXX vehicle for {$2100.00} on XX/XX/XXXX. I was making the monthly payments on the loan and the balance never went down it keep increasing on a monthly basis. I was diagnosis with XXXX XXXX and I still kept in contact with them with updates on my health status. i also advised them I had lost m job due to the amount of time I needed to take off from treatment which they were also advised up. I continue to try and make payments and the balance still continued to increase with unreasonable interest and fees. Then there were issues with car that required very expensive repairs, Which I notified them of that as well, they made no attempts ts to work with me or justify the amount of fees and interest they had been charging me.The issues of my complaint as follows : 1 ) The car then had been repossessed with out any contact being made to me that that it was in that status or that that was the intent. 2 ) The cars value was {$9900.00} without after market accessories included prior to repairs. 3 ) I was never sent information or documentation stating they still was a balance added off {$770.00} 4 ) Reporting inaccurate information to the credit bureaus stating that this was a automobile loan, the last  payment being made XX/XX/XXXX, Account Closed XX/XX/XXXX. That there is a balance of {$770.00} still is owed. This information is severely hurting my chance of recovering financially after my heath issues. 5 ) A high balance of XXXX for a {$2100.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX account # XXXX & XXXXXXXX XXXX XXXX account # XXXX & XXXX, 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 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 2022-06-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I bought out my lease on XX/XX/2022. Paid XXXX with a check. 
I called XXXX on XX/XX/XXXX to make sure they were sending me my title and gave them my new address. 
I was informed that it was shipped on XX/XX/XXXX. I waited two weeks and received nothing. 
After calling them I was informed they mailed it to the wrong address and theres nothing they can do to help me. 
I called them every other day since then Trying to get someone to help me but all they do is hang up and be extremely disrespectful.

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 2017-07-23
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 XXXX of XXXX Midland funding llc placed a collections on my credit report for {$870.00}. After calling them I found out that this debt is from an account opened in XXXX. this debt, to the best of my knowledge, because it was 10 years ago, was paid. I have not received any collections from anyone else about this debt in 10 years. I also know that this card could not have been opened for more than XXXX dollars. I was under the impression that a company could not put collections on your credit account after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied on XX/XX/XXXX for an Income-Driven Repayment plan on my lender website : FedLoan Servicing. I do this process every year because I can not pay what they request me to pay monthly. I received an email from the studentloans.gov with a confirmation number ( Application Status : PENDING Reference Number : XXXX ). I went through the whole process and completed it. 

I sent an email on XX/XX/XXXX to my lender ( Fedloan Servicing ) asking for the XXXX plan status. They said that they didn't receive my application. I sent my confirmation number to them. Then I received another email on XX/XX/XXXX. Below you will see what it said : Since we did not receive your recertification application, your PFH payment on the IBR expired and the unpaid interest was added to the principal balance ( through capitalization ). Your payment changed to the amount you would have paid under a standard 10-year repayment plan based on the balance of your loans when you entered the IBR. Please note your account is still on the IBR although the payment increased.

They want me to reapply. Something that I already did. They keep saying that the StudentLoan.gov didn't release my application. In the meantime, my credit score is getting lower because of them. What I only receive from my lender are the statements with amounts past due. I can not pay {$300.00} dollars monthly. This is why I applied for the IDR They just call me today XX/XX/2019 at XXXX requesting the monthly payment. I asked them for the status of my IDR plan. They didn't find it. Based on what they said, I owe them almost {$1000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched from XXXX to XXXX on XXXX XXXX, XXXX. I called XXXX the same day to cut off services and asked for a final bill. I was told I owed {$33.00} and received and paid this amount ( see Final Account Invoice attached from XXXX  ). In late XX/XX/XXXX, I started to receive invoices from XXXX. I noticed recently that the account number had different last four digits. I made XXXX billing agent ( XXXX ) aware of this yesterday ( XXXX XXXX, XXXX ). 

In XX/XX/XXXX, I spoke with an XXXX  agent ( can not recall name ) and was told I do not have a balance, that the bills get generated before my account was updated. In XX/XX/XXXX, I received another invoice from XXXX with a different amount that noted {$13.00} credit. I called XXXX billing on the XXXX XXXX and the agent was unprofessional and rude, and told me I needed to pay as my service was through the XXXX XXXX, XXXX, although she confirmed that I cut off my service on the XXXX XXXX, XXXX. 

I called again on the XXXX XXXX and XXXX billing agent ( XXXX ) reviewed my account, told me that everything was in order, my final payment of {$33.00} was received and that I owed XXXX nothing. On the XXXX XXXX, XXXX, I received a call and caller said she was from a collection agent and I owed a debt. I explained to her that I did not owe any monies to XXXX, and told her it seemed like fraud and an insider in XXXX. She hung up the phone on me. A few days later, I received a letter from Collection Bureau of the Hudson Valley , Inc . I did not call the phone numbers listed. The Account number listed for XXXX is not the account number on my prior XXXX invoices.

Company response to consumer: Closed with non-monetary relief