BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: NJ
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:
XXXX reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went to Equifax 's website about the security breach. They told me that my data was likely compromised. I tried to sign up for the free monitoring service. After one week ( not 48 hours ) I  received an email from trusted id customer service. To verify my identity, i was told a text was sent to my cell phone. it was not. When I asked for the code to be resent, I was told that I was already enrolled and to please enter my email and passcode. The password did n't work so i asked it to send a reset password to my email. It did not arrive. I called the number provided on the website to Trusted ID. The woman could not help me, unless i gave her information about loans that were 9-10 years old. I would like to know if my data is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: DISCOVER BANK
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I originally wrote Equifax on XXXX XXXX, XXXX. They received the certified mail on XXXX XXXX, XXXX. They took until today, XXXX/XXXX/XXXX to respond. That is in excess of the 30 days allotted by the FCRA. Thus, I am requesting that all items listed on the attached letter be removed from my credit report. Nowhere in FCRA is a matter allowed investigation in excess of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from   XXXX   again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Was sent this email and I have never taken a loan out. It keeps coming up in my spam email. 

CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX AM to XXXX PM ( EST ). 



In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Arbor Residential Mortgage LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Senenca mortgage took over servicing of my loan from previous mortgage company on XXXX/XXXX/15. My first payment, XXXX XXXX, went to the previous mortgage company as required. When Seneca took over my loan they began calling me weekly, sometimes daily, stating that I owed them my XX/XX/XXXX payment. I informed them that I had made that payment to the previous loan company as required. I also sent them proof from the previous mortgage company and bank statement showing it cleared. I still continue to receive calls until XX/XX/XXXX claiming they have not received this payment and stating I am one month behind on my payments. I was assessed a late fee, which I had to call and dispute. They have stated that they notated the account that I should not be assessed a late fee and are still attempting to get my previous payment forwarded from the previous loan company. I sent my XX/XX/XXXX payment by online bill pay as I have done since they assumed my loan. My XX/XX/XXXX payment was rejected by them. I had to call and ask why this was rejected. The answer I was given was that they have placed a hold on my account in order to monitor for any incoming check from the previous loan servicer. I am now forced to make payments by alternative means until this is resolved. I find this unacceptable and this company cleary has no idea what it is doing. They are threatening and I do n't trust them. I informed them if they negatively impact my credit in any way I will file a lawsuit against them. Online reviews of this company are overwhelmingly negative and appear to operate with questionable tactics. I will be working to help organize a class action lawsuit against this company if the issue is not dealt with in the next few weeks. Customer service reps are often rude and argumentative. They are the worse company I have ever dealt with and totally incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint:
My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX 's error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax allowed serval Fraudulent, accounts to be reported to.my credit reported .The information is over eight years old. The party 's doing the reporting. never a place of businesses serval times. They not Professionals, such.as.Lawerys, Judges, Names of each Credit Reporting Agent .XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: CA
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 XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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 2017-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the 3rd complaint that I have made to you against Equifax and now I 'm getting really upset because no one is helping me. this account listed on my credit file is the result of identity theft and my entire identity was stolen to the point that I had to go to a federal location to clear my name! I called and asked why these XXXX accounts were not removed and was told that it is because they did not receive the official police report and I have sent that to them 3 times now to no avail. I need for this account to be removed immediately. 
In XXXX 1997, Congress states that the burden is on the credit bureaus and creditors to prove the accuracy of the accounts and not on me and yet I 'm receiving letter after letter from XXXX stating that these have been verified and that they will not dispute this again. Where 's the signed contract with MY signature? Where 's the proof that shows which IP address was used to apply for this account? I know for a fact that it was n't mine! I did not open this account, apply for it, authorize it or have any knowledge of it and it must be removed immediately. The bureaus are required to report ACCURATE AND COMPLETE information and it takes over a year to prove that they are being willfully negligent? 
These are the accounts that I am disputing : This account is the result of identity theft and must be removed immediately pursuant to section XXXX immediately and permanently cleared from my credit report : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax willingly and purposely falsifies credit scores of consumers. I look my XXXX Equiafax score that XXXX provides for free to consumers - on XX/XX/2017 my credit score was XXXX ( XXXX XXXX ). 
After I verified my credit score of XXXX for Equifax, I went to XXXX at XXXX NY, and trade-in my old car for a new XXXX. When the XXXX Salesman XXXX pulled my credit report directly from Equifax, the salesman showed me the Equifax credit score of XXXX. 
HOW THIS IS POSSIBLE? 
XXXX states they are getting the correct information/VERIFICATION directly from Equifax AND MY CREDIT SCORE ON XX/XX/2017 WERE XXXX FOR EQUIFAX. THEN A FEW HOURS LATER, WITHOUT COMMITING ANY CREDIT ACTIONS/PURCHESES/ETC. MY EQUIFAX CREDIT SCORE WAS XXXX, OR XXXX POINT LOWER!!!!! 
XXXX, the XXXX Salesman stated he 'sees that all the time and with many of his customers - they have two different credit scores reported by the same credit reporting agency, at the same day!!!! 
Why Equifax willingly and FRAUDLY reports old credit score to businesses such as car dealerships and banks? 
THE CONCLUSION IS there is an unwritten, hidden 'agreement ' between Equifax , car dealerships, and banks to report the lowest possible, but invalid credit scores from the consumers ' past reports, so customers/consumers will not be provided with the deserved APR or best appropriate INTEREST RATES to purchases cars and/or homes. Through illegal and unlawful practices Equifax is assuring higher interest rates for many businesses in the U.S. against consumers ' lawful rights. 
AS A RESULT, I was approved for 6.19 APR or 6.19 % which will cost me {$5700.00} interest to pay for my new XXXX on the top of the regular price of {$27000.00}. Equifax pairs with businesses and banks and negatively brutally affect the finances of the consumers. 

Just a few months ago, the CFPB had a lawsuit against XXXX for committing the same fraud practices. NOW IT IS URGENT EQUIFAX TO BE HELD ACCOUNTABLE FOR REPORTING THE WRONG CREDIT SCORES/LOWER OF WHAT IS THE CURENT, TO BUSSINESSES AND BANKS. I AM TREMENDOUSLY AND FIANCIALLY HURT BY EQUIFAX. 
Prove for my case can be taken from XXXX Credit Score Report form XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have had a credit score of XXXX for an extended period of time and have always paid any and all my bills on time. I was told several months ago by one of the credit reporting bureaus that my credit score could never be XXXX due to the fact I do not have XXXX ( lines of credit ) credit cards! I use an XXXX product ( XXXX ) on my PC and I receive my credit score every 3 months. I found the last score was XXXX and ran an Equifax Report which showed no inquiries were made over the past two years. I have no negative accounts, collections or public record information showing on the Equifax report. I have worked 40 plus years to get my credit to the highest point possible and find now my credit score is dropping! How can this be remedied?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Per conversation on the phone I had an outstanding debt that went to collections. I called and told them I wasn't able to make any payments because I became XXXX and lived in XXXX XXXX and when XXXX hit I was in a financial hardship. The date I sent a payment in full I asked if all negative remarks would be removed from my credit report and account would be marked paid in full. They agreed verbally and I sent a payment of {$3500.00} over the phone. I recieved a letter the debt was paid days after. Its still on my credit report I tried calling but they aren't keeping there end of the bargain. If it was just a couple dollars I wouldn't care but the fact I was back on my feet and put over $ XXXX to pay it in full I made sure to come to some agreement. When I go online to look at the prior loan all infomation is deleted and I get an 404 error. The page can not be found. So now It looks like I never had a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: CA
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 XXXX. 
Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX  XXXX Account number : 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 2016-02-23
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently paid off my mortgage loan, ( XX/XX/2015 ). I have yet to receive a release of lein. I have called the servicer, SETERUS, several times and continue to be told it will take 7-10 business days. It has been 4 months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a late payment from XX/XX/XXXX with XXXX on Equifax. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Equifax did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Equifax leave it on my file after the dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that Discover XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when Discover has known that XXXX XXXX XXXX has been communicating with them since the summer of 2014??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within Discover sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that Discover is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of Discover and XXXX, XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by Discover, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how Discover and XXXX XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ XXXX , XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in Christ and HE will fight my battles for me!!!

Company response to consumer: Closed with explanation