BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
.I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am victim of identity theft and have accounts listed on my credit report that do n't belong to me. I have sent numerous police reports and letters to Equifax disputing the inaccurate information listed on my credit report and Equifax has sent me numerous letters informing me the information is accurate and will remain on my credit report. The following accounts listed on my credit report are fraudulent and I want them removed immediately from my Equifax credit report : XXXX XXXX Bank, Account Number : XXXX XXXX Bank, Account Number : XXXX XXXX, Account Number : XXXX XXXX Bank XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX Bank, Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Disputed negative items on my credit report except for XXXX XXXX XXXX. XXXX XXXX XXXX is a legitimate collection on m y credit report. However as a result of my dispute of my credit report equifax deleted everything except XXXX XXXX XXXX. As of todays date of XX/XX/2016 they have placed a collections back on my credit report of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with XXXX. from XXXX/XXXX/XXXX till XXXX/XXXX/XXXX. in excellent status. Please see letter attached from XXXX. 
However, I do not believe Equifax is reporting this information on my Equifax credit report. I would like equifax to correct this reporting and send me a copy of my credit report showing the new update. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax , Inc. does n't actually read and investigate credit report disputes. They have done nothing to correct obvious inaccurate information on my credit report despite having received countless disputes. 
They report that the actual amount of the last payment made for a XXXX account is {$0.00}, that is impossible. This was disputed on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX after every single dispute they failed to conduct an investigation as required by law and continue to report obvious errors. Had they actually investigated this would have been removed months ago. It is n't even my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We started a short sale process with Dovenmuehle Mortgage of XXXX XXXX Illinois in XXXX of this year. They have delayed the completion of this process over the last 3 months. Short sale was necessary because they had refinanced my mother 's property for more than it was worth at the time and left her with more debt on the property than a normal sale would pay off. She had to move out of her house due to declining health and had to resort to short sale to keep from going further in debt with a normal sale. Attached are the requests for information which have all been supplied by our agent with no results.XXXX XXXX, 2015 Appraisal was conducted XXXX XXXX - follow up if Report was back with them XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - A representative said that the file was submitted for review to FHA on XXXX XXXX XXXX XXXX - still no decision, file with FHA XXXX XXXX - still no decision, file with FHA XXXX XXXX - Still no response and the buyer is already anxious to have the closing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX asked to certify using metro 2 not done asked the company to certify using metro 2 and they did not do it

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 2020-08-18
Company: WLCC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX I received a letter of Garnishment from my employer XXXX in regards to a company called XXXX XXXX ( Apex Servicing ) XXXX. This was a personal loan in the amount of {$1500.00}, and I never received any documents of collection or court order for them to garnish my wages. I reside in a state where court orders are required to file for a garnishment from these types of creditors. Also, upon review Apex is not licensed to apply wage assignments to the state in which I reside. The loan was taken out on XX/XX/2020 and they started garnishment on XX/XX/2020, and they are garnishing 15 % of my wages as if they are a student loan collector. Per the letter from my employer, the 15 % correlates to student loan debt. I did not get any notice or attempts of collection and the actions took place less than 90 days of the loan. I feel I was not given adequate notice or time to respond. The company refused to tell me the times they attempted to collect anything from. I would like for the garnishments to stop and the funds they took to be reimbursed to me. I would like to pay the loan directly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has a collection report saying I owe {$290.00} from XXXX. It was originally from an old XXXX cell phone bill. I paid XXXX a long time ago in full. I filed a dispute XXXX times already with equifax and every time it comes back saying I still owe money. I even faxed them a letter from XXXX saying I owe nothing. I call XXXX and they say the account was paid and closed but they wont call equifax directly and equifax wont call XXXX directly to resolve this. They each tell me to call the other company so I ca n't get anywhere as this hurts my credit. I have dealt with this about 6 months now with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The state of Maryland filed a tax lien on me in error. I received a lien release letter from Maryland dated XX/XX/XXXX. I also have two emails from Maryland dated XX/XX/XXXX and XX/XX/XXXX stating that the lien was in error, and that the lien had been withdrawn. I submitted this information online with the above documents attached to Equifax. On XX/XX/XXXX I received notification from Equifax that nothing has changed, and they refuse to remove the lien from my credit report. I called Equifax this morning and was told that once the lien has been recorded, it stays on my record for 7 years, whether it was released or not! I asked to speak to a manager and was told the same thing by her. The incorrect lien record is damaging my personal and business reputation. Please help me to remove it! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have this phoenix recovery group reporting negative. I disputed it and it came back as my. I contacted the source themselves and learned that it was a apartment lease that they said it was a broken lease. This was at XXXX in XXXX XXXX TX. my apartment had caught fire. It 's still online at XXXX XXXX. We were relocated to a hotel for about a month. Then we were released from the lease. We signed release papers.I tried finding the release paper and could n't. I talked to Phoenix recoveryour group and explained what happened and they did n't care one bit. They said they want their money and that 's all. I asked for proof of it being my so I can find the management company that was there at the time in 2009. They told me they do n't have to show any proof at all to me. I was released from the lease and should n't have to pay for it. I want this removed from my credit report ASAP. If failing to do so in a timely matter I will be urged to take legal actions as it has been harmful to my credit when it should n't even be on there in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am/was currently financing an auto through an entity called Consumer Portfolio Services, ran into unexpected hardship, to which I informed the finance company on or around XX/XX/2016 of my personal financial hardship and distress explaining as to why I could not pay the, demanded @ {$800.00} - {$1200.00} max due to the fact I was not successful in borrowing any funds just yet. I spoke with XXXX member @ EXT XXXX c/o XXXX who offered me a 2 month extension with the stipulations which required me to make a ( XXXX ) month payment in the amount of {$390.00} - {$390.00} maximum to bring the account up and concentrate on XX/XX/XXXX 's by next month of XX/XX/2016 since my income will be stabilized afford me stationary monthly payments with the option to sign up for auto pay. 
Fast Forward : On or around Friday XX/XX/2016, I returned XXXX phone call and was astonished to hear that the prior verbal promises, and agreement was being revoked due to the staff member announcing that " she was fairly new and did not review my loan file prior to her offering solutions to my dilemma. forced to Although I am being forced to live/ sleep in my vehicle, the offer from XXXX of ( 1 ) of regular payment @ {$390.00} plus a ( XXXX ) month extension was revoked so XXXX stated '' that at this point they could only offer me a possibly due date change which would give ( XXXX ) more days to come up with the entire balance, therefore, I would still be responsible for the entire past due balance of {$1200.00} to continue to keep the car, or the vehicle of which XXXX is financing ( XXXX ), will be REPOSSESSED effective immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Sallie Mae makes it difficult to apply my extra payments against the highest interest loan. I have complied with their rule to send instructions with each payment. I send a separate piece of paper with instructions on how I want my payment applied but now they are not following my instructions. Their toll free customer service line puts you into a recording that does not give you the option to speak about billing problems. I only got an alternate contact number by choosing the option to apply for a new loan. The new contact number is only open from XXXX - XXXX. I feel that Sallie Mae is playing games so that people will give up on having extra payments applied to the higher interest loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification of the debt multiple times, sending certified letters to this company with no response. They continue to report this debt to the credit agencies without providing documentation that this is a valid debt. It has now been past 30 days since the request for documentation proving my financial responsibility and they still have not provided the information requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a cosigner on XXXX Sallie Mae/XXXX loans and have been in dispute with them for about 2 years. I will be brief. 
Payments were made during the student 's college years equal to or greater than the amount of the monthly interest so that principal would remain at v\borrowed amount. 
After XXXX, wehn the repayment period began monthly invoices began to come stating " Amount Due '' and whatever the figure was - and " Minimum Due '' as XXXX. I called literally dozens of times asking how minimum due could be XXXX and never got a consistent answer. Scripted call center workers could not answer even the most basic loan servicing questions. 
At some point I escelated this inquiry to a manager who explained that all of the payments I made over the years were put to " Pay Ahead '', an option that allowed the student more flexibility after XXXX. I explained that is was my understanding that this was paramount to escrowing my monies, which had never been disclosed. If it had been escrowed, I was owed interest and that I wanted the payment history recalculated to show the payments applied correctly against accrued interest and any overages should have been applied to principal. 
After 18 frustrating months and countless phone calls they have finally sent me XXXX pages of history. Keep in mind they had promised this paperwork at least 10 times before it actually happened. They had not really taken me seriously until I explained I had sought legal counsel and that my attorney needed these papers for forensic accounting. 
My daughter and I have paid for numerous 90 day forbearance periods while I try to sort all of this out. 
I am looking the CFPB for some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I agreed to co-sign my grand-daughter 's college loan, Sallie Mae, 2 years ago. They now have us paying for a loan that was to be deferred and I owe more than she does. We are XXXX and worried about this situation. Can you help us?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Our daughter took out a new loan for University XXXX XXXX in XXXX - I called Sallie Mae and told them to add payments for that loan to our existing set of payments. They indicated they would do so. Today, at XXXX, I received a robo call from Sallie Mae. They did NOT leave a message. MY daughter then called me and said they had called her, and that the account was past due {$100.00} ( {$50.00} for XXXX and XXXX ). 
I tried to call them and got told wait time was excessive ( last time I called them, I waited on hold for over an hour ). 

I went online and fought thru numerous web site errors ( unable to make my name match my bank account name, several password resets to be able to even log in ) ) managed to make ( I hope ) a payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cavalry Portfolio Services continues to collect on an alleged debt that is outside of the statue of limitations per my credit report and they have failed prove that this alleged debt actually belongs to me. Over the course of the last couple months, I have attempted to have them prove to me that this account is mine to no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called Sallie Mae to try and get options for repaying my student loans. Currently, I am unable to pay them, as they are over half my monthly salary. I am trying to do the right thing, but they are not willing to work with me for repayment. I want my student loans completely erased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Ashton & Weinberg, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from Ashton and Weingberg XXXX and XXXX after having advised them to no longer call me unless they provide written verification of the debt they allege I owe. They have provided no verification and are still calling as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was told my Sallie Mae that I had to make account past due and wait for collections to contact me before I could try and change my rate. The only other option I was given was forbearance, which only makes the problem worse. I ca n't pay this loan and have enough money to start my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
They auto dial me to call them at least 3 times a day! I have called and tried to get assistance on how to apply for a deferment on payments as I had a baby with health issues and they wont tell me the information unless my account is according to the people i spoke to, extremely in default. I call and talk to someone and that same day I got more than one auto dial call telling me to call about my loan. Today XX/XX/XXXX, I have had 3 auto dials already between XXXX XXXX my time and XXXX XXXX. so 3 calls in under 4 hours. They are trying to get me to go delinquent and be extremely delinquent ON PURPOSE while harassing me and not helping me or answering my questions on how to get help when i call. They have given my grandmother who co signed some impression they are going to be able to come and TAKE HER HOUSE AWAY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: D&A Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received XXXX calls from D & A Services LLC with messages to call regarding a debt. I called, thinking this may have to do with an identity theft issue that I suffered in XXXX. However, after calling and providing my cell number ( which was the number the collection agency called ) the agent asked if I was XXXX XXXX. I advised that I was not and they obviously had the wrong telephone number on file if that was the individual they were looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
i went to the car dealership applying for a car and they pulling my credit report over 20 times 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

Company response to consumer: Closed with explanation