BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
Company: Mr. Cooper Group Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
Abusive mortgage servicing practices, this is a violation. Improperly and wrongfully increasing permenately modified loan payments and failed to pay property tax disbursments on times, this is a violation of RESPA. Then I was under Ch.XXXX  bankruptcy and you shortage my escrow payments by failing to analyze accounts properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/XXXX ), Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities of the alleged identity theft, including submitting a report to the Federal Trade Commission and the [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC.

Since these accounts are not the result of any transactions or credit applications I have made, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I humbly request that you acknowledge your commitment to looking into these accounts and send me a thorough written response as soon as you can. Please remember to include the following in your response XXXXerification that you've started looking into these accounts copies of all supporting documentation and material pertaining to these accounts, including the application a signed declaration attesting to the fact that these accounts will be deleted from my credit record after your investigation is finished.

I recognize that this is a significant issue, and I implore you to take immediate action to make things right. I may have to take additional legal action to defend my rights and creditworthiness if I don't participate in getting this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and mortgage fraud and identity fraud. XXXXXXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.

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 2022-09-14
Company: EQUIFAX, INC.
State: GA
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 several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX XXXX : {$270.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Mercedes Benz Financial Services
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXXr at the XXXX XXXX XXXX  XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added XXXX to my XXXX XXXX, but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. Mercedes Benz Financial Services reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called MBFS several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with Mercedes Benz Financial Services ( MBFS ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Early Warning Services, LLC
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:
EARLY WARNINGS is currently in violation of FEDERAL LAW. 
EARLY WARNINGS has obtained my personal, private and confidential information without my consent and in doing so EARLY WARNING has committed identity theft. EARLY WARNING is currently furnishing fraudulent information on a investigative consumer report using my private, personal and confidential information without my consent, knowledge or authorization. These practices are in violation of 15 USC 1681a ( 4 ) because a consumer has a RIGHT to privacy and all consumer reporting agencies must respect that RIGHT. EARLY WARNINGS has violated my RIGHT to privacy by furnishing any information on me as a consumer without my consent, EARLY WARNING has NEVER received ANY consent by myself to have, obtain or use my personal information. 
Pursuant to 15 USC 1681a, a consumer report agency is " any person which, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ". According to CONGRESS in 15 USC 1681a EARLY WARNINGS is a consumer reporting agency and must adhere to all sections of the Fair Credit Reporting Act [ 15 USC 1681 ]. 
This also means that EARLY WARNINGS must adhere to subsection 15 USC 1681b ( a ) ( 2 ). EARLY WARNINGS may furnish a consumer report under the following circumstances and NO other : ( 2 ) " In accordance with the WRITTEN instructions of the consumer to whom it relates ''.

I am the consumer to which this alleged information relates and I have NEVER given written instructions for EARLY WARNINGS to furnish ANY information nor have/use/obtain my personal, private and confidential information. I am gravely unnerved by EARLY WARNINGS BLATANT disregard for FEDERAL LAW in these matters. These violations of FEDERAL LAW clearly and conspicuously disclose EARLY WARNINGS WILLFUL NEGLIGENCE/NONCOMPLIANCE WITH FEDERAL LAW, in violation of 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
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: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 2023-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Self Financial Inc.
State: NY
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:
You are reporting negative information on my credit report which is extremely inaccurate. I have never made a late payment to your company. This is a violation of my rights of the FCRA, and I will be seeking legal action and compensation for this under 15 USC 1681. The inaccurate reporting of this account is an adverse action and a defamation of character. It has be on my report for too long. I HAVE NEVER MISSED A PAYMENT. XXXX  and XXXX reflect that as well. Please correct my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: AES/PHEAA
State: NY
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 previously submitted a closed CFPB complaint regarding switching to a different income repayment plan ( from IBR to ICR ). ( Complaint XXXX. ) I spoke to a specialist because I was misinformation : a previous representative told me I could verbally consent to changing the plan. She never mentioned that I had to submit paperwork. Because of the misinformation I was provided, the specialist I spoke to named XXXX, told me that I should submit the form as soon as possible and she would make a note in the file to have my request expedited. 

On Monday, XX/XX/XXXX, I faxed the paperwork. On Thursday, XX/XX/XXXX, I was told they did not receive my fax and that I should upload the form to their website. On Friday, XX/XX/XXXX, I uploaded the form to the website. Later that evening, I received an e-mail that my request was processed. In my file it showed that may request was approved and my monthly payment was reduced ( see attached ). However, this morning I received another e-mail about my request being reviewed and the review would not be completed until XX/XX/XXXX -- two days after my next payment. 

I called regarding both e-mail correspondences because they are conflicting. I explained to the representative that my request was uploaded and approved ; they might have received the request I previously faxed, which they should have disregarded -- not process the request over again. I was told I would still have to do a month of forbearance and pay a minimum of {$5.00}. Then why expedite my request? Also, why not refund a partial payment for this month as my forbearance month and allow me to start the new plan next month? There entire situation was caused by one of their representatives. If she would have given me correct information, I  would have sent in the required documentation immediately, and XXXX would have been my forbearance month. 

Additionally, the amount that they quoted ( {$420.00} ) in the closed complaint is different than the amount they calculated in the letter that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Resurgent Capital Services L.P.
State: GA
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:
I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. I have already tried to fix this with your company. Equifax is the only Credit reporting agencies reporting the unverified accounts. I will be moving forward with filing a statement of claim if these errors are not corrected in 7 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wellsfargo charged overdraft fee when enough money was in account to clear account in XXXX. I am no longer a customer at Wellsfargo

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 2023-03-18
Company: ROBINHOOD MARKETS INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Robinhood Markets , Inc., XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXXXX/XX/2023 - My entire stock portfolio was liquidated without my consent. A money transfer for {$16000.00} was initiated from my personal bank 's checking account to Robinhood, without my consent. I notified Robinhood on XX/XX/2023 of a possible security breach with my account and an investigation was allegedly initiated ( case # XXXX ). I never heard from them again. Access to my account has been blocked. Emails are not returned. Customer Service can only be accessed via an online account or by using the mobile phone app. My access to both has been blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Shellpoint Partners, LLC
State: CO
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:
On multiple occasions I have addressed the wrong reporting that the company has sent over to XXXX. There is no payment history which is missing since XXXX  and also the company has sold several times and passed my information along while providing inaccurate information. Each time I am ignored and responded too late. I want this account deleted from my XXXX account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: WRJ Holdings, LLC
State: GA
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 WENT INTO FIRST AMERCIAN TITLE LENDING XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I applied for a title loan. I was told that I had too many miles. They spent a lot of time making comments about a previous title loan with a title company. After I was denied the loan, I left the company. I applied for other services and discovered that the staff and company had used my social security and other personal identifying information to add a fraud alert to my credit reports without my permission. I applied for gas services and was denied. They could not access my credit report. I can not cook and get this process completed in a regular amount of time. Its the same issue with other services when I applied for services. They took away my privileges.

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 2019-04-22
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a XXXX XXXX XXXX. I have customers who use CashApp to send payments for products. Cash app advertises a way to send and receive money from friends and family. They have closed my account leaving me no way of getting the money my customers have sent me. I have tried all the ways to get my funds. The Cashapp will not accept any debit cards as it states it should or bank account. I have tried to contact via the phone number they have listed online with no luck. I have called square who owns cashapp and have been told they can not help me. They only give out the phone number that is automated and states there is not a representative to speak to. When you try to get support online this is what happens. Sign in and it says they have to email you a pin. Then when you get the email and put in the pin you get a message that you will get an email with a link to sign in. There is no additional email to login. There is no way of contacting anyone to discuss how to get the funds. They are fraudulently scamming people to use their services in order to keep the funds.

Company response to consumer: Closed with explanation