BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: FL
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX is still on my credit report and I'm no longer a authorize user and I'm not financially responsible for that account.

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 2023-01-25
Company: LEXISNEXIS
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please validate and fix this address immediately : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Please fix this inaccurate address as soon as possible. There are important data that is linked to that address that needs fixing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have XXXX accounts with Comenity Bank and they have not reported my new balances to the credit bureaus since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: MO
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:
On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX on Behalf of XXXX XXXX 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. Datax LTD on behalf of XXXX, XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX on behalf of XXXX XXXX XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern. 
I find it very suspicious that, right after I reported this account as fraudulent to Equifax. And was in the process of getting it removed from my credit file, the original furnisher, XXXX XXXX XXXX  has suddenly resold it to XXXX XXXX, XXXX. And they XXXX XXXX XXXX representatives was very rude on the phone when I called and asked for validation of the account. 
A collection agency that has been sued numerous times for their unlawful collection practices. 
This old unverified debt has reappeared on my credit report as a new account. According to the FCRA The re-aging of an old debt is illogic. And is punishable with a fine up to {$1000.00}. Equifax has allowed this nefarious debit buyer to park this junk debt on my credit report and re-age the status. It is unethical and illegal. Their behavior has caused my credit score to drop XXXX points. And has caused me an enormous amount of stress and anxiety with my family. I want it removed from my credit file immediately and permanently. 
Partial account numbers as seen on my myFICO credit report XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mom has passed away and I am just trying to make payments for the house that is now under my dad 's name while it is waiting for a closing date. I have made payments on the account previously but as soon as I told them we are closing in few months, and is XXXX month behind on payment, they are just hanging up on me making it impossible for me to make any sort of payment. I know that in state of Virginia, mortgage companies can foreclose the house in 90 days. We have significant equity in the house so I do not want to preassume anything but this situation makes it seem like Seterus Inc is trying to prevent us from making payment so they can foreclose our property. They are keep telling me the information is wrong even though I am providing them with same information I have been telling them for months. All of the sudden, the information is incorrect as soon as I told them we are under contract and need to make 1 month of payment so that our house is prevented from going under foreclosure. Also, I now have to pay a late charge because they were not allowing me to make any payments before the pay period I was responsible for late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: TX
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, XXXX : # XXXX, has violated my rights. 

XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2022-11-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a voluntary freeze on my Equifax credit data back in 2020. Since then I have tried several times unsuccessfully to get this freeze lifted. All attempts to resolve this via the Equifax automated system and customer service personal have failed. Every time I speak with a representative my case gets " escalated '' but there is never any follow up or follow through. 

As every credit provider utilizes Equifax I'm essential unable to utilize any form of new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: NRA Group, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE REACHED OUT TO XXXX XXXX THE ORIGINAL DEBT COLLECTOR WITH PROOF THAT I DO NOT OWE THIS BILL NOR WAS THE SERVICE LISTED/BILLED IN ADVANCE ALL RECEIVED COMPLETE. I AM OWED A CREDIT FROM XXXX XXXX BECAUSE THE SERVICES QUOTED ON TREATMENT WERE PRE-PAID ALTHOUGH I NEVER COMPELTED THE TREATMENT PLAN. I WAS PROMISED A CALL BACK NUJMEROUS TIMES AND IT DID NOT HAPPEN. WHEN GOING TO APPOINTMENT I TRIED TO GET INTO THE BILLING OFFICE TO SPEAK ABOUT THE DEDT AND I WAS ALWAYS TOLD THEY DID NOT HAVE TIME TO REVIEW MY ACCOUNT. I DID NOT RECEIVE A COLLECTIONS NOTICE FROM THE COLLECTION COMPANY. MY CRFEDIT SCORES WERE ALL AFFECTED AND XXXX IS THE WORS AT RESOLVING ANY CREDIT DISPUTE ISSUES. MY SCORE IS ALMOST 700 AT XXXX XXXX AND XXXX WITH BILL PAYMENTS AND DISPUTE AND YET XXXX IS SILL AT XXXX REJECTED EVERY SINGLE DISPUTE THAT WAS APPROVED AND PROVED BY THE REMAINING TWO CREDIT BUREAUS. THERE IS NO WAY A PERSON CAN CORRECT CREDIT WITH THIS COMPANY XXXX. AND THIS DEDT IS NOT OWED AND A CREDIT IS DUE ON MY ASPEN ACCOUNT.

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 2019-10-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When the store sales person applied for the card, I wasn't given any information by the XXXX 's store because a wells Fargo member called to give me the info over the phone. After all information provided I accepted the card verbally over the phone. I never saw any written contract online because the store staff did all. The Wells Fargo caller informed me I had a 12 months no interest promotion, and after this 12 months whatever balance is left I will have interests on it. That's how it is with all cards, I understand and accepted. But what happened was different. Once the 12 months came by, I was half way done paying it, Wells Fargo charged all interests back to the 12 months I've already paid, plus all interests of amount owed. That brought my account almost to stage 1, because the amount went high again, I was enable to make more than minimum payment, that resulted in lot more interests of course. Eventually, I just lost control of the account. XXXX XX/XX/2019, I made a payment for the two months that I was behind. I am requesting the conversation the Wells Fargo and I had over the phone, Wells Fargo has not provided yet, they don't want to provide I believe, because I never receive answers about that.. I tried calling more than 20 times, no one seems to care. I spoke with many different people, every time I call I have to repeat over and over again, same story. I will get a lawyer soon if this claim doesn't help, but I want to try one more time before I take drastically actions.

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 monetary relief
Consumer complaint received 2023-02-12
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/23 I purchased a cashiers check of XXXX from M & T bank XXXX XXXX XXXX ( I had over XXXX ) in the account. I deposited the check at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
I went to withdraw funds from XXXX XXXX  XX/XX/23 and there was a fraud alert on my account because M & T " did not honor the cashiers check '' which I always thought was as good as cash. 
I went back to M & T bank XXXX XXXX XXXX and the Manager told an elaborate lie of how it is not their fault and XXXX XXXX is to be blamed. The new teller who did the initial transaction stated that he made an error and withdrew from a closed account, the manager shut him down and insisted it was not their fault and asked me to go back to XXXX XXXX. Although I made the manage aware of the seriousness of what is at stake, he was rude and not helpful. 

Two weeks later, I still have XXXX taken out of my M & T bank and I don't know where the funds are, XXXX XXXX has closed my account accusing me of being a fraudster.

I work so hard for every dime in my account and I need help in resolving this issue.

1 ) To retrieve the XXXX from and M & T 2 ) Restore my bank account with XXXX XXXX and let them know that I did everything right and i'm not a fraudster.

3 ) I'm asking for help because I know M & T will not help me. Unfortunately my experience with them has not been that great. Please help me I feel devasted and have been very stressed with this situation. I will appreciate any help I can get from anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
There is an account through XXXX Bank showing on my credit file as a charged-off account I have called this company to find out what this is and they do not have anything in their data base with my information. I have disputed this and still this company list this inaccurate data on my credit file. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have lived in our home for 15 years and have never missed a payment on our mortgage to Ocwen Loan Servicing, LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
However, interestingly enough, we have been sending our payments to an address in XXXX XXXX, IL. 
This month 's invoice dated XX/XX/XXXX, includes a charge for {$240.00} for " Past Due Fees/Other Charges. '' Since we have never missed a payment or been  delinquent in any manner, we were puzzled. We called Ocwen ( not certain of the date ) and asked about this charge. They told us it was some kind of processing charge from 2013. Still puzzled, we called them to ask for some authentication of this fee. 
They sent what they called a Payment History. It is essentially a spreadsheet with 52 items on it, none of which we can understand. However, it does end with a - {$240.00}. It is of no help in understanding their claim. 
So now our questions are : 1. Is this a legal charge? 
2. Is it legal to go back 5 years and tell a client she has a charge she has no way of understanding? 
3. What are our rights in this situation. 
I have decided to do this : I am sending this months payment with a check, not electronically as I usually do. I will send a letter with it explaining I have filed a complaint with the Consumer Financial Protection Bureau and I will not pay this extra amount until the cast is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The XXXX is no longer in me or my mothers name. We sold the car to XXXX XXXX of XXXX, CA. 

Remove or mark as paid in full. We are no longer liable for the XXXX XXXX XXXX. 

See attached for release of liability. Date of Sale XX/XX/XXXX. 

All calls should've been stopped, as we are not the owners anymore or liable for the car loan anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-10-14
Company: Bliksum, LLC
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  INC XXXX Open Date XX/XX/2014 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello and happy XXXX! Thank you for taking the time to help out, I really appreciate it! I wanted to please reach out because I had requested for my account to be canceled and closed so I can avoid the overdraft fees, however, due to my XXXX, the representative said that I have to physically go into a store, I explain to them XXXX XXXX, and how I am unable to go into a branch. However, now my account is completely overdrawn. Im trying to please bring a current, so its no longer in the negatives. However, I was charged quite a bit of insufficient funds fees. I am please requesting for a courtesy waiver on those insufficient funds fees. That way I can please bring my account current. Any help would be greatly appreciated! Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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