BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: PA
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 2023-04-14
Company: Conn's, Inc.
State: TX
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:
I disputed CONNS CREDIT CORP account on my credit report and asked for a contract. XXXX and the creditor opened this account and reported this account late. It took dropped my credit score by XXXX points and my on-time payment went from XXXX percent to XXXX percent. The company can not falsify the status of this account and change the statues from closed to open if the account is closed. 

Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 
Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
CFPB + Capital One, On a recent pull of my credit reports I noticed unauthorized hard credit inquiries from Capital One I would like removed as soon as possible - attached to this complaint are : - drivers license - social security card - mailing address - written complaint - copies of credit reports where it shows up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: TX
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 am at wits end. I am trying to start internet service with XXXX XXXX XXXX because I am moving XX/XX/20 and my new apartments use only XXXX XXXX XXXX as their provider. XXXX XXXX XXXX for some reason can not pull my credit. They keep saying there is a fraud alert ( Equifax ). I had the fraud alert removed XX/XX/20. I have tried starting service online probably about 30+ times, I have tried starting service via a sales rep on the phone, etc. I have spoken with Equifax at least 3 times and they have confirmed the fraud alert has been removed. I log into my equifax account only and can see it has been removed. I do not know what to do. I have no other provider I can use, I work from home so I must have internet service. I need some serious help here. I have filed a complaint against XXXX XXXX XXXX as well. I did go online to various websites and saw similar complaints regarding Equifax. There is a glitch and it needs to be fixed ASAP. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Each year I apply for an Income Driven Repayment Plan my request does not go through and it shows that I will have to pay a significantly higher amount per month. I then have to call and reapply for the payment plan I want to take effect. I was also put into forebearance this past year when I should not have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants Credit Guide - Opened XX/XX/2018 XXXX XXXX XXXX {$580.00} I recently received a call from this debt collector. They asked me if I'd like to make a payment on this. I told her i havent ever been to an XXXX Hospital to the best of my knowledge and she laughed and said " okay '' and hung up. 1st.. this was inappropriate. 2ns she didnt even give me a chance to ask any question about the charges. Im positive this isnt for me. It just recently hit my credit and i havent been to a hospital in i dont even know how long. I would like proof of this charge and to have someone explain whats going on. Or how they allowed someone else to use my identification to get medical treatment. I feel like i could have got the information i needed from the debt collector to try and help clear this up but like i said.. they laughed and hung up instead of trying to explain what the charges were for and where they came from. Please remove this from my credit ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: SLM CORPORATION
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am writing to inform you that the attached communication is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following violations have occurred : 15 USC 1692e ( 10 ) - The communication falsely implies that the borrower 's credit rating may be adversely affected. The statement " Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years '' is misleading, as the length of time that negative information stays on a credit report is determined by the credit reporting agencies and is not within Sallie Mae 's control.

15 USC 1692c ( a ) - The statement " This is an attempt to collect a debt and information obtained will be used for that purpose '' suggests that Sallie Mae is a debt collector, but Sallie Mae is a private bank. This is a violation of the FDCPA, which requires debt collectors to clearly disclose their identity in all communications.

15 USC 1692d ( 6 ) - The phone number provided in the communication directs the borrower to the Collections Department, rather than customer care. This is misleading and makes it difficult for the borrower to seek assistance with managing their account.

15 USC 1681s-2 ( b ) - Billing statements have been inaccurate and payments are lost in the mail, and Sallie Mae is reporting them as late to credit reporting agencies. This is a violation of the FCRA, which prohibits furnishers of information from reporting false or incomplete information to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Have written in to XXXX and XXXX concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , and 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 2020-09-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Dear CFPB, My name is XXXX XXXX XXXX. My complaint is against PayPal. My PayPal merchant ID is XXXX. I am the XXXX XXXX at our local church by the name of XXXX XXXX XXXX. I started the PayPal account for our XXXX XXXX charity operations. I am writing to complain about the unscrupulous business practices of PayPal. Since around XX/XX/2020 my account has been frozen and I am no longer able to conduct business with my account. PayPal allows me to receive payments from my e-book customers, donors and friends but I am not allowed to make any payments or withdrawals from my account for three consecutive months now. PayPal 's compliance department requested for official documentation including bank statements and proof of address which I gladly provided. PayPal has since repeatedly promised to call me directly on several occasions but has never called. I sent messages through the PayPal message center concerning this but they gave no explanation as to why they have repeatedly failed to contact me as promised. I have sent repeated messages complaining about this issue. Some of my messages are completely ignored. I have over USD {$26000.00} in this account. I have bills and employees to pay. My credit is being adversely affected because of the freeze on my account. I have submitted all of the official documentation required by PayPal 's compliance department but even after I submitted the documents PayPal went quiet. Their operations are very suspicious and I fear that my funds may have been stolen by PayPal. 

Any assistance CFPB can provide in this matter will be greatly appreciated. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received pre-approved offer of a credit card from XXXX, which I accepted online. Approximately 10 days later, I received a letter from XXXX, denying my card for the reason of : " Elements associated with fraud. '' I have never committed fraud. 

I am not aware that fraud has been committed on any of my accounts, which I monitor regularly and balance my accounts each month. 

When I contacted XXXX to receive an explanation, I was transferred several times, and none of the departments understood the issue, none were able to correct, and each wanted to quickly pass me off to someone else, who in turn lacked the basic skills to address this problem.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It has been over a decade since I have used welllsfargo as my bank. For years, I went into their branches complaining that there was something wrong with the banking systems. Information online never matched what was read at the atm, reviewed in the branch by associates, information over the phone and online info. The amounts were always different and somehow wellsfargo was able to find a way to charge me hundreds of dollars by using this mismatched information against me. My account was constantly overdrawn and I had hundreds of dollars in overdraft fees. Since switching banks, I no longer have these issues.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : 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 2020-05-11
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: Public record information inaccurate

Complaint:
Equifax reports " There is a serious delinquency on my credit report '' For two years I have been trying to get a correction, I have never missed or been late with any account, Equifax just ignores my efforts to get a correction. All my accounts have perfect pmt records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Wells Fargo for 22 years and have never made a complaint however I recently had an unauthorized zelle transaction that debited {$1000.00} that was not available in my checking account and had to be moved out from savings to completed. I did not discuss my account with anyone nor share my account information. Wells Dargo denied my claim saying I authorized it even after I gave the details and recortes immediately. I change my logins and dont feel safe leaving my money in my account anymore.

I have contacted 3 additional times and not one supervisors has called back.

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 2017-12-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I previously had a problem with Ocwen Mortgage Company ( XXXX # XXXX ). 
My escrow account has been a problem since the loan was taken over in XXXX. Ocwen 's states there was a problem when they took the loan over in XXXX.I attribute the problems to fraud and bad accounting. XXXX XXXX my escrow analysis showed I had a deficit and my mortgage was going up {$82.00} a month. My taxes stayed the same and my insurance policy went up {$20.00} for the year. Where is the money going? My escrow shows XXXX insurance policy payments XXXX XXXX {$540.00}, XXXX XXXX {$670.00}. Also the same on the new XXXX analysis shows XXXX insurance payments for XXXX XXXX {$690.00} and {$670.00}. 

Ocwen sent me an escrow analysis and they totally omitted XXXX 's payments ( I beleive they realize they dont add up ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report.

CONSUMER REPORT - ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )

Company response to consumer: Closed with explanation