BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to submit a formal complaint against CREDITACPT concerning a late payment entry on my account ( Account XXXX XXXX ) that is appearing on my credit report. I firmly believe that the handling of this late payment entry by CREDITACPT is a violation of my rights under 15 USC 1666B, which governs billing errors in consumer credit accounts.

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under 15 USC 1666B are acknowledged and upheld.

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 2023-05-09
Company: EQUIFAX, INC.
State: TX
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:
The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Called Mr Cooper Loss mitigation on XX/XX/2023 and XX/XX/2023 to initiate and follow up a request for an extension on my loan. I'm currently on a disaster forberance have only utiliized 9 out of 12 allowable months under fannie mae guidelines. It's been more than a month. No action and notification has been made by mr cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 12th 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 XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/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 explanation
Consumer complaint received 2023-07-18
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and other : in accordance with the written instruction soft he consumer to whom it relates. " ( XXXX XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( XXXX XXXX ) whether it be verbal, non- verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non-disclosure option. " ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following item so f information Any other adverse item of information, other than records of conviction of crimes which antedates there port by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) state 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. 15 U.S Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to dis
close under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NY
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:
LETTER!! 

15 US Code 5168cXXXX XXXX reporting agency that beck the reporting of any information in the of a comer that the consumer entfestion that from an alleged identity theft, not later than 4 busness days after the date of receipt has been 30 days and you are in VIOLATION of this law because I am a victim of destry the Please delete these items IMMED These accounts should not be famished on my consumer report as they are Under, 15 US Code 1181b Persible purposes of consumer reports tal c to subsection any consumer reporting agency may furaha mere following crcumstances and no other ( 2 ) in accordance with the WRITTEN INST come to whom it relates XXXX XXXX XXXX comme reporting agency WRITTEN CONSENT repert anything on my consumer report which violates my rights as a federal protected NO CONSENT IDENTITY THEFT. As a demanding the deletion of the courts Isted IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: CA
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:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately.

Please see the letters, ftc report and my ID attached to this complaint. 

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 explanation
Consumer complaint received 2020-07-27
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been discriminated against and neglected by simple bank. Starting around the XXXX of XXXX up until this very day. Early XX/XX/XXXX I had my wallet an dcel phone stolen, I reached out to simple to send me a replacement debit card, due to the fact I was broke from no work do to covid19, and my direct deposit from unemployment was coming to that account. basically time was critical. when i called the representative had no problem updating my address, which was changed, and verified, as per simples website stated, the issue was she made ann error while inputting the address, my address is XXXX XXXX XXXX XXXX XXXX, but she changed it to XXXX XXXX XXXX XXXX XXXX, from that day XXXX second, i was promised an overnighted debit card and did not reeive my card until XX/XX/XXXX. All due to the team at simple not allowing me to change my address without the proper verification. Yet again, the initial time i called and needed the address changed, the woman did change it, furthermore, she changed it to the wrong address! I have absolutely no connection or verifiable document to link me to an address that is not even mine, and they verified it, but when i try to change the mistake, I am rather left to suffer, with no money and no way to access most of it, until they deem its fine, I will send alll chat messages i have, what has happened since this has been absolute XXXX, i will let the chat messages explain, but breifly : I was given permission to send money from my account to my XXXX XXXX in order to be able to receive funds, i was allowwed three times, they unbloked my now stolen card, let me make the transferl then reblocked it in real time. that until they decided i was not allowed to to this anymore, and denied me after the third time. 

they have over XXXX dollars tied up in disputes. one most importantly is for 300+ dollars from a 3day hotel stay in which i found bed bugs in the bed. I have video evifence, which i sent the first day i started the dispute, on XX/XX/XXXX, its not been almost a month, i have received no provisional credit, in fact, as im writing this email i received an email from the disputes team, sking me to email these supporting documents ( ie the video evidence to them. i have sent them this proof three. times. now. 

they allowed a merchant to direct debit XXXX dollars from my account when i had a XXXX  balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Chime Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, I send money to the XXXX using sendwave to XXXX last XXXX XXXX. Usually money will be sent real time on my XXXX account. I called the next day because it was still pending and let them know to reverse the transaction. They said they filed the reversal but on XXXX XXXX XXXX an email the payment was delivered but when I checked my XXXX account, that XXXX dollars is not credited at all. I have been calling sendwave more than XXXX times already. I also contacted XXXX about this but XXXX also insisted that they did not received that money from sendwave. I called back sendwave and said that XXXX  did received it and if they can not refund the money sendwave cant do anything about it. Sendwave should be responsible in this because I used their portal to send money and now they are not taking full responsibility. All of the information were all correct. I did all correctly and now it feels like they leaving my problem not resolve. I need help in getting my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX and transunion falsely put things on my credit report and threatened me to pay them, they have put debt on my accounts and put my score in the negative I have been having this problem for two years Ive done everything and still nothing has changed I made a police report and filed a complaint and I have yet to see any results.

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 2023-05-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: ID
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-12-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than XXXX days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The accounts below should be corrected : XXXX XXXX xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation