BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-03-20
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On, XX/XX/2023. I submitted a letter to LexisNexis Risk Management for falsely reporting information from the Bankruptcy Court to the credit bureaus. I have informed LexisNexis to remove this inaccurate information from their database. LexisNexis has violated Congress Laws of FCRA. LexisNexis did not have a Permissible purpose nor did they have my written instruction.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction According to the letter I have received from XXXX  XXXX Bankruptcy Court , they do not furnish or report information to third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We refinanced our vehicles in XX/XX/XXXX. We signed all the paperwork they needed to process the loans for our XXXX XXXX XXXX and XXXX XXXX XXXX. Since then, every month they send additional documents, needing more signatures, the same paperwork we originally signed. Everytime we get the papers in the mail, we take it to the Wells Fargo, we got the loan at, the banker there, XXXX, faxes the signed copies to them and then calls them to ask if there is anything else they need from us, they tell him no, everything is fine. The next month something else, this is getting really upsetting.

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 2021-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX XXXX is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Happy Money, Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan for {$25000.00} in XXXX of 2022. Happy Money ( Payoff ) was the intermediary between myself and the Lender, XXXX XXXX XXXX XXXX XXXX. I paid the loan off within the year but never received any official written confirmation or correspondence stating the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed  XXXX  with   XXXX   several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX   continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I believe  XXXX  is trying to re age the debt.

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 2023-08-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lawful Notice of Dispute TO : LVNV FUNDING LLC RE : Account Number : XXXX To Agents or Assigns at : LVNV FUNDING LLC I am in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and LVNV FUNDING LLC. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I surrendered a rental property back to the mortgagee in 2012. The property was charged off rather than foreclosures and sent to a collection company. They attempted to collect on the debt and it was later purchased by another company who also attempted to collect. It was later charged off after several years. The property itself was demolished by the city because of it being in poor condition. However, the city is still assessing me property taxes since it is in my name. I tried donating the lot to the city in order to erase the back taxes but there is still a mortgage on the property. The mortgage company wants to pay {$1000.00} in order to release the lien on it so it can be donated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received an email from Experian on XX/XX/XXXX informing me that the regular XXXX credit monitoring service is being raised to XXXX. My next billing date is XX/XX/XXXX so I emailed them back ( XX/XX/XXXX ) to cancel the service. I have received no response as of XX/XX/XXXX so I called this morning, ( XX/XX/XXXX ). Upon calling I had to enter numerous pieces of info to be authenticated ( SSN, address, DOB etc ) at which point I was told I had no account to cancel and the automated system hung up on me. 

I tried numerous additional times to cancel and each time failed to either a ) have the account canceled or b ) to get through to an agent to cancel the account manually. After almost an hour I decided instead to contact my credit card company ( XXXX ) and have them do a merchant block, which they did. 

After searching online it is apparent than canceling with Experian is VERY difficult if not impossible.

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 2023-01-24
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for consolidation prior to the XXXX waiver and was told all prior payments would be automatically transferred to the new consolidated loan. After several months the number has yet to update. I've contact Mohela several time but keep getting different reasons as to why the number has yet to update. They have confirmed that the certification of employment is on file but refuse to update the payment count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: PA
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:
FTC Report Number ( Included ) : XXXX My CFPB LETTER STATUS Sent to company on XX/XX/2023 Experian XXXX responded STATUS Company responded on XX/XX/2023 Response is Over 30 days late. 

I told the Experian and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account name : XXXX ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

cc : XXXX cc : AG Office

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 2023-03-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  - account ending in XXXX, notified me that they sold an account to XXXX XXXX XXXX that was never mine in the first place. This account is fraudulently and illegally reporting to my credit. I would like XXXX XXXX XXXX  to provide evidence that this account is mine, including my signature, and if this cant be done, I would like XXXX XXXX XXXX  to delete this from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Remove all old addresses and personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against LVNV Funding, LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : LVNV Funding, LLC acquired a debt from the original creditor, XXXXXXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to LVNV Funding, LLC, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with LVNV Funding, LLC, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of LVNV Funding, LLC to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that LVNV Funding, LLC immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA.

3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that LVNV Funding, LLC rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1980 SS # : XXXX To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies in my credit report that have been causing substantial harm to my creditworthiness and overall financial standing. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated due to the following inaccuracies : XXXX. **Creditor : XXXX XXXX XXXX XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Violation : **Inaccurate Reporting - Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : ** The information reported by " XXXX XXXX XXXX indicates that my account with account number XXXX has not been paid on time. To the best of my knowledge, this is a gross misrepresentation of my payment history. I have diligently met my obligations and made timely payments for this account. 

Reporting Information After Knowing It's Inaccurate - Violation of FCRA Section 623 ( a ) ( 1 ) ( C ) : Despite my attempts to rectify this situation, " XXXX XXXX  '' has persisted in reporting inaccurate information regarding late payments. Their continued reporting of false information demonstrates a blatant disregard for the truth. 

Personal Story : The distress caused by these inaccuracies extends beyond financial matters. I have been working diligently to secure a better future for my family, including purchasing a home. However, due to the unjust negative reporting by multiple creditors, my credit score is lower than it should be. This has put our plans on hold, causing XXXX XXXX XXXX XXXX, and financial difficulties. 

In light of the violations outlined above, I implore the Consumer Financial Protection Bureau to enforce legal action against the aforementioned creditors for these violations and demand immediate corrective actions : 1. Update the account information to accurately reflect my payment history.

2. Delete the inaccurate information that is severely affecting my credit score. 

I respectfully request your urgent attention to this matter. Your intervention could provide relief and help rectify the damage caused to my credit report. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Recieved a {$75.00} gift card as a XXXX present for a dinner. Due to the pandemic I was unable to use the card for its indended purpose for a dinner. Called the number on the card XXXX them due to the pandemic I had been unable to use the card for its intended purpose for a dinner and when I checked it there were charges on it. They told me the {$22.00} charges on it were an inactivity fee and there was nothing they could do about it. 
I thought this kind of taking money from a gift card had been stopped years ago. Very disappointed with TD Bank. I'll be closing my brokerage account with them.

Company response to consumer: Closed with monetary relief