BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
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:
For the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Investigation took more than 30 days

Complaint:
These are not my accounts and i did not open them please help me fix them,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: National Recoveries, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am being harassed, threatened, and abused by student loan collection agency. 
I have a right to cancel the loan, victim of identity theft, they failed to accurately inform me of my borrower rights, acting in an aggressive collection tactics, refused an affordable repayment plan, violating Fair Debt Practices Act, and refused to provide evidence of the original debt from XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
These are not my accounts and i did not open them please help me fix 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 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with transunion and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.

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 2022-05-14
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with ExperianXXXX. XXXX deleted the account per proper reporting information. Experian changed the account and update it to fall off XXXX XXXX which is very incorrect information. I am uploading a copy of that report from Experian as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Their is a bankruptcy reporting on my credit report that is not mine, I spoke to the bankruptcy court and they confirmed that its not mine and is not sure how this is being reported on my credit report as they did not even have my SSN in their system. They saw a smiler name but could not provide me with any information of that person and they told me to dispute it with the reporting tangency. I reached out to the credit agency and they wont remove it nor will they tell me why or how they verified that its mine.

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 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX

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 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-02-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been put on several forbearance programs since 2009, offered no legitimate pay based off income plans, & multiple payment due date/amount mixups.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to " validate '' to get both my TRANSUNION and XXXX credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ) and loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that TransUnion and XXXX have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! 

I am a XXXX. I do NOT have a printer or fax machine and I do NOT drive much at all. I *do* have proof of my ID ( e.g. photo driver 's license ), current utility bills showing my address. 
I need to get my name/address info properly reflected on my credit reports AND I need a copy of my credit reports to dispute what I suspect is incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
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 ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Delbert Services
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received a deposit of {$5000.00} on about XXXX XXXX, 2012 for the the loan amount of {$5000.00} minus a {$75.00} processing fee held by Western Sky. I made payments of {$560.00} and XXXX payments of {$480.00} in monthly withdrawals debited from my account until I stop the withdrawals from my bank. I paid a total of {$8300.00} for a {$5000.00} loan with an interest rate of 116.57 % for a total payments to them of {$40000.00} for a {$5000.00} dollar loan. My loan agreement was with XXXX, later sold to Western Sky, and later sold to Delbert services and I have lost track how many times my loan was sold. Looking at my credit report Delbert Services have reported me to the credit union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Accounts Research, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from a XXXX XXXX who apparently works for Accounts Research out of XXXX, TN. He was attempting to collect a debt from a previous bank I used ( XXXX ). This was the most unprofessional and rude human being I have ever spoke with. He also claims he has attempted to call myselfand my fianc before, but we have no records of that ever happening. He also asked if I 'd received the letter about the debt and I said yes but before I could respond to tell him it was from the bank itself and not from a collection agency he was talking over me again making court threats and that he did n't care what my situation was. This company is not even BBB accredited and I do not like the fact that he has any of my information. This needs to be handled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: CAVALRY INVESTMENTS, LLC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
this was a XXXX XXXX XXXX credit card opened XXXX/XXXX/XXXX which I defaulted on due to becoming XXXX XX/XX/XXXX and was charged off by XXXX XXXX XXXX XX/XX/XXXX. After other debt collecters the company by the name of Cavalry, XXXX XXXX XXXX, XXXX, XXXX XXXX purchased it XXXX/XXXX/XXXX. They called my cell, sent me collection demands over the year. which I can not pay. Now with the Attorney office of XXXX, XXXX, XXXX, XXXX. they are harssing me calls, letters, and a Civil Suit in XXXX Couny, XXXX. They have paper servers at my door which I requested for them to have the Sheriff serve me and go away. And I need assistance from your office to help me get this harassment done. I 'm willing to face them in court to resolve the suit. Which I feel is a charged off XXXX XXXX XXXX debt from XXXX when I lost my home in XXXX and all my credit. I 'm living on social security and a small pension and just get by month to month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: MO
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:
Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

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 2022-05-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted my police report to Equifax detailing fraudulent accounts reporting in error on my credit report. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security care. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. Equifax processed disputes and " verified '' my name and social security number that has been breached and ignored my police report detailing the fraudulent account that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: GREAT LAKES
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX XXXX, I had called Great Lakes Student Loans in regards to my Student Loans going into default on the XXXX. The Representative asked if I could make any payment. I made a {$50.00} payment and she was going to check to see if she could set me up on another payment plan and call me back. I received no callback. I called back on the XXXX and was told that my case was still pending approval and there was no note to call me back. The woman told me that if I made the remaining {$160.00} ( to total the {$210.00} payment - which is part of the graduated payment plan which they were working on getting me on ). She informed me that if I made the payment then I would be placed on the payment plan and MY STUDENT LOANS WOULD NOT GO INTO DEFAULT! This was on a recorded line! I am furious to know that they have been moved to a collection agency!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Over a month ago, i filed an dispute with Experian and advised them that reporting on my credit report that inquiries stay after one year is false. I advised them to delete the inquiries at the two year mark exactly.. Experian did not send back to me any results and the following inquiries are in my file : XXXX XXXX XXXX, XXXX Bank XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX card XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit companies are not complying with their own policies in a timely manner. I disputed these items on XX/XX/2022 and I have not gotten any response from the credit bureaus about this issue. I want the items removed from my credit report.

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 2021-11-17
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX {$1500.00} I Tryed to talk to the company they have no information about the debt that's owed.

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 2016-03-30
Company: GREAT LAKES
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to get XXXX to work with me to help me repay a loan which I believed was still with my original lender, Great Lakes, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the XXXX person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation