BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: Equitable Acceptance Corp
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was referred to XXXX by a friend. I was told they were an Obama Loan Forgiveness company. I called them, and they said they worked with the Dept. of Education. I was told I was running out of time to consolidate the loans under this program, had to pay {$49.00} a month for 3 years. Signed contract on XXXX XXXX, 2016, was told they will consolidate and wipe out loans completely for a total of {$1400.00}. Found out after that it said I had three days to cancel in fine print. Called the Dept. of Education and they said they had no knowledge of this company and that they should not be taking fees for this service. 
Called back saying I wanted to cancel because they were not with the Dept. of Education and I wanted to go back to school to get a XXXX, and knew I could get loan forgiveness. Asked if I could pay a penalty but was told I was stuck with them for at least ten years, or to pay the {$1400.00} immediately. Changed bank account but they keep calling me, since XX/XX/XXXX, to collect payments they think I owe. Sometimes they say they are XXXX and sometimes they are Equitable Acceptance Corporation, collecting for XXXX. When they call, they often tell me that they will mess up my credit if I do not pay. The supervisor XXXX was menacing and rude, and I was hung up on and transferred to different people. I also receive monthly emails from XXXX. 
I contacted XXXX XXXX XXXX, and they wrote a letter to XXXX on my behalf, asking them to stop contacting me. They have continued since the letter was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Balance of {$280.00} was reporting instead of {$0.00} balance. On XXXX XXXX, 2015 received a response from Equifax stating the balance was changed to {$0.00}. On XXXX XXXX, 2015 myfico alerted me of an XXXX point increase in my score from the corrected {$0.00} balance being reported. Not today, XXXX XXXX, 2015 myfico alerted me of an XXXX point Drop in my Equifax score due to my balance being reported as {$0.00} to now {$280.00}. My credit card company does not report until the last day of the month and this is n't a balance I have on my card right now. This is the balance that was changed from {$280.00} to {$0.00} by Equifax and then to {$0.00} back to {$280.00}. Equifax please stop playing with people 's credit especially during the mortgage process. This is intentional it appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: AZ
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:
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 explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
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 explanation
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
There is grave discrepancy on my Equifax credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Equifax credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Equifax, I need a " credit report number '' from them. However, each attempt to access it through Equifax or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Equifax, there is no reason Equifax itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Equifax, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Equifax without it. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. I opened an investigation with XXXX and it did remove the XXXX/XXXX/2015 entry. However, Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted both XXXX XXXX XXXX XXXX and XXXX XXXX. Both creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
When I checked my credit report through XXXX few days ago there were XXXX hard inquire deleted then couples days later those inquires are added again.I think that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my credit checked as part of a home mortgage refinance, and received a lower credit score due to a new debt that was associated with my name and social security number. The debtor is lisXXXX XXXX XXXX XXXX XXXX XXXXd the creditor is XXXX XXXX XXXX XXXX. I called Credence who informed me that someone illegally opened an account with my name and social security number in XX/XX/2020 and now has a debt due of {$1000.00}. This is a case of identity theft as the account was not opened with my knowledge or authorization. I do not know how my name and social security number were stolen. The person I spoke with at Credence gave me the following information on the person who opened the account : # XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Credence has sent me a Fraud Packet that I have filled out and sent along to XXXX XXXX XXXX XXXX for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-12-23
Company: Green Trust Cash, LLC
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I believe the shared processing network and database that XXXX XXXX companies use has been hacked or threatened with a Bot and thousands of customers may be affected. 

I applied for a XXXX XXXX XXXX about 3-5 years ago. 

Two weeks ago, I received an email telling me " my '' application had been received from and I need to click a link to verify it. I figured it was a scam, so I ignored it. A few days later, I received a followup email telling me the application has been processed. I called the company and explained that I had not applied for a loan. They asked me to verify my info and I discovered the application contained my name, previous address, drivers license #, DOB, and SSN. I submitted a report to FTC and added a fraud alert to my credit report. I also submitted a police report. I called the cash advance company back to ask for the banking info associated with the applicaton in hopes of getting a name of the thief from the bank, but they would not release it. 

This morning, I received another email from a different cash advance company - same thing, asking me to click the link to verify the info. I hoped the webpage would show banking info. I clicked the link and it did include banking info - my old banking routing number and account number!!! 

This leads me to believe that there is n't a single person submitting an application under my name, but it 's possible that the shared application processing network these companies use may have been hacked with malware or a Bot and the Bot is processing XXXX applications for XXXX customers in their database using the stored info the customers initially submitted years ago when a legitimate application was filed. 

The name of the first XXXX XXXX company was Green Trust Cash. 

The email I received today was from XXXX XXXX Now. The number is XXXX. They closed the application and put a fraud alert on it. 

However, I think there should be some type of public announcement to previous customers because inquiries are being made on our credit reports. 

Please contact me with a resolution. 

*In the next section, I provided my old address, which is the address on the cash advance applications. 

**I could only submit XXXX company name in the next section, but there are XXXX. See above for the XXXX company name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have autopay with my American Express Delta Gold Card. In setting up autopay, one has to indicate how many days after the closing date of the statement that you want the auto pay to make the payment. Problems : 1 ) There is no indication on their " Mange Autopay '' as to how many days after the closing date, payment is due. They leave it up to the user to choose the payment date according to their own calculation. This leaves the user open to error in calculation. 2 ) NOWHERE IS THERE THE OBVIOUS OPTION TO PAY ON THE DUE DATE! Most other cards make that option obvious. 3 ) One can only wonder whether AEx is obfuscating to encourage users to choose AEx 's default option which is 15 days after the closing date. It seems patently obstructionist and misleading, not to make the most common response clearer, or, at least make it the default option. Obviously, having people pay 10 days earlier than they need to is very much on the company 's interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is an amount of {$3100.00} on my XXXX credit report from NCO Financial systems/EGS Financial Care. I contacted them about the balance and NCO/EGS has no balance in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account was opened through fraudulent means, my personal information was use without my consent to open and establish credit. Approximately XXXX years ago when I was applying for a home loan I discovered this account with XXXX had been opened in my name without my permission to someone claiming to be me at an address I have never resided. I reported it to the credit reporting agencies, XXXX, XXXX and XXXX the negative information was removed for a couple of years only to reappear. Since this first incidence another account wit XXXX appeared on my credit report and I received a letter from the collect agency handling the account, I telephoned that company and explain this was a fraudulent account use my information with an address where i have never resided and was told I would receive no further attempts from them and the matter was resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: AZ
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 have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: GLA Collection Company, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These people and other collection agencies keep on collection on debts i do not owe!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I have submitted to the credit bureaus and the loan companies alike that my identity has been stolen and used to take out fraudulent loans. I have been successful in removing XXXX of those loans from my credit report ( prosper ). The lending club continue to insist the loan belongs to be despite me sending information to the company and the credit bureaus my victim report, identity theft affidavit, proof of identity and even documentation from the bank proving that the monies went to a fraudulent account. Despite all this, Equifax is the only credit bureau who continue to report this on my credit report. This company has not protected me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Account Info Reference 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 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 2016-06-11
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Just discovered that we have been misled and lied to by Impac mortgage/Funding group who is the investor of our mortgage serviced by XXXX XXXX XXXX. Just yesterday I spoke with XXXX XXXX XXXX who assured me that the denial of the loan modification was actually made by Impac and not XXXX XXXX XXXX. Since XXXX 2016, I have been in contact with Impac Funding group and each time we were told and reassured that XXXX XXXX XXXX is the problem., by failing to send them a packet for Impac 's review Someone is not being truthful. We need this investigated because there has so many violations by both Imapc and XXXX XXXX XXXX. Impac carries the note and should be able to override XXXX XXXX XXXX but they have refused to do so. We have been charged an interest only loan which is illegal which will reset twice in six months. It was reset in XXXX 2016 and our payment increased {$1000.00}. from {$2900.00} to {$3900.00}. In XXXX the payment will be {$5800.00} which we can not afford. All interest only which is an illegal product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: PA
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 did not consent to these negative and inaccurate information to appear on MY credit / consumer report. 

XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I asked for validation of this debt showing my signature because it is n't mine. The response they sent was not only a HIPAA violation to the account owner, but did not validate the debt. I sent them a response showing this ( which was signed for on XXXX XXXX ) and the debt still shows on my Credit Reports. Please have them remove this from my report and send it back to the original creditor so they can find out who REALLY owes this debt.

Company response to consumer: Closed with explanation