BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NC
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:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from Resurgent Capital Services claiming they were collecting a debt for XXXX XXXX XXXX for {$7200.00}. I called Resurgent on XX/XX/XXXX and told them I had previously received a similar Debt Collection Notice back in XX/XX/XXXX from XXXX XXXX XXXX XXXX and I told them this was NOT my bill, that I had been previously charged with this and each time I had proven it was not mine ( see related correspondence ). 
At that time, Resurgent Supervisor, XXXX XXXX informed me they also had a second Debt to collect for XXXX XXXX XXXX  in the amount of {$3800.00}. I told them XXXX XXXX XXXX had previously sent these same claims from two previous Debt Collection Agencies as well from XXXX XXXX XXXX themselves ( back in XX/XX/XXXX ) - and so I would now be seeking at least {$1000.00} per repeated claim from XXXX XXXX XXXX / Resurgent for these repeated false claims and continual harrassment. It has cost me a small fortune in all the Registered Postage with Return Receipts Requested - and the only time they stopped harrassing me is when I complained to CFPB the last time - and, thankfully, you managed to resolve it for me at that time. And so, instead of trying myself three times ( with NO success ) I will go straight to you this time and request your expert help once again. All supporting data - for these latest two claims - and the previous ones are attached. I take this opportunity to thank you in anticipation of your being equally effective this time too. 
Yours Sincerely, XXXX XXXX Ph : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Identity Theft on XX/XX/XXXX Person created fraudulent account on Experian.com, using fraudulent e-mail address. They were able to down load my credit report to fraudulent e-mail address and proceeded to use credit information. 

XX/XX/XXXX - Discovered fraudulent activity on my personal bank and checking accounts. 
XX/XX/XXXX - Closed all bank accounts. 
XX/XX/XXXX - Mailed complaint of fraudulent e-mail address to Experian Fraud Department, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX - Received Experian report # XXXX XX/XX/XXXX - Unable to connect to an Experian a live customer service agent at any of the following phone numbers : XXXX or XXXX or XXXX or XXXX. Automated menu, no option to reach an agent. ( Attempts on many other days ) XX/XX/XXXX - Fraudulent e-mail address still associated with Experian account. No response from Experian and unable to contact via phone. 

This is very dangerous activity by Experian. The company collects sensitive credit information and allows fraudulent accounts t be created with just a few pieces of personal information. Then enacts no remedy when fraud is discovered. 

If you personally have not created an account on Experian, I recommend doing so now. Experian does not directly notify consumers they are collecting your credit information, and they do not advise you directly to open an account, or provide any warning that if you do not open an account this exposes you to fraud. You must create a user name and password, or anyone with your social security number and DOB can steal your information. This is also true of XXXX, XXXX and XXXX, and incidentally on the Social Security website as well. As far as am aware, these agencies do not inform people directly of this necessity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NV
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:
RE : DELETIONS TO CREDIT REPORT Recently, I discovered alleged accounts on my credit report for which I do not recognize. Pursuant to FCRA 623, I am demanding their removal. I have indicated the items below. 

Accounts : SOURCE 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 DEPT OF EDXXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: OH
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 second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: 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 2023-11-09
Company: EQUIFAX, INC.
State: CA
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 do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2022-05-19
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I lost all my cash app tag name and email also my phone number in order to access my XXXX stimulus check money payment from the IRS to cash app debit card and not even my ID or social security number card helps to access my account there in cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We opened a checking/debit account for my son at Wells Fargo on XX/XX/31. The bank called 2 weeks later that due to a banker error, my son 's SS number was incorrect in the " secondary ID '' portion of the application. I returned to the bank as soon as I could which was a week and a half later as I was told my XXXX year old son needed to be there and he was unavailable any sooner. The day we returned the account was closed ( and I was told he did not need to be present so this could have been handled sooner ) and was told we needed to come back with the SS card ( which we were not previously told ). I returned the next day ( Friday ) with the card ( although his SS was correct in the " SS # '' box and he has other accounts for years at the bank ) and was told the account would be reopened and the card used. The account was still closed on Monday and when I called the branch, the banker told me they can not reopen and there are several more steps to go through so he filed a complaint on my behalf ( which no one told me until I called ). I can not open any new account for him until this is resolved and the branch can't help me and the contact person where this complaint sits has not returned my calls.

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 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
*My compliant is that I feel Bank of America did a 'Bait and Switch ' tactic to get me to move forward with my application. Below is my account of the events : I applied for a HELOC through Bank of America on XX/XX/2018. I spoke with customer representative XXXX XXXX, MLS XXXX. He asked me a series of questions, including by house mortgage balance, my estimated credit score ( Which I stated was around 700 ), My income, and other information along these lines. I also allowed him to run my credit. I was looking for him to give me an accurate quote for an interest rate, line of credit amount and term length. During the conversation XXXX indicated that I would be able to qualify for a line of credit amount of {$67000.00} at 4.25 %. I confirmed with him that this was going to be the term of the agreement prior to and after he ran my credit. XXXX strongly inferred that I would qualify for the terms he was stating and also stated 'I guarantee you qualify for this ' at some point in the conversation. It was because of this that I decided to have my credit run and to move forward with the application. He state the next steps in the process would be for underwriting to call me to collect some more paperwork. 
When Underwriting did call ( XXXX XXXX ) she stated that she had a new offer for me. She stated I only qualify for a line of credit of {$33000.00} at 7.69 %. I asked her why the drastic change in terms and stated that it was because of the high debt to equity ratio. I told her I felt that XXXX pulled a 'Bait and Switch ' with me because he quoted, and practically guaranteed my terms so he could get the application moving forward. 
I asked to speak to XXXX 's boss and stated my feelings of dissatisfaction and that I felt tricked into applying for the loan. I asked her why XXXX would have stated the terms and guaranteed them. XXXX 's boss wasn't sure why he may have done that because he doesn't have access to view credit reports and can only go off of info that I provided. 
I also called up XXXX 's boss, ( XXXX XXXX ) and spoke with him about the issue. I asked both XXXX and XXXXXXXX XXXX boss to honor the terms that I was quoted by XXXX but both said they were unable too. XXXX did indicated that he would review the phone log that was recorded between me and XXXX to understand why there was a break down in communication. 
So there should be a recording that can be reviewed to substantiate my compliant. 
*Note I do have a letter that Bank of America sent me that substantiates the initial terms that XXXX stated to me. I don't have the letter as of right now to upload but can do so if required.

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 2023-03-17
Company: Braviant Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No verification letter has been sent. I have requested for one to be sent several times and they are refusing to send one. I informed them by law a verification letter needed to be sent to me. I was told either I will pay the settlement amount, set up a payment arrangement, or go to court. I stated that I havent received anything in writing from you all so I dont feel safe just paying money when its not validated nor any prior communication. Also, I was hung up on by the Finance manager in the midst of trying to come to settlement arrangement. I was repeatedly cut off and was given demands to pay or that there wasnt anything to discuss. I have not been provided no documentation and they seem to be trying to force me into paying un-verified/validated amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/2019 Balance {$0.00} Status Open.

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 2021-10-22
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021, I reached out to Experian to remove addresses that did not belong to me from my credit report. The information is still on my credit stated credit report and therefore represents my information inaccurately. 

Further stating that the post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. Reference XXXX XXXX The response to my concerns was that the information was removed but through further investigation of recent credit reports it appears that the addresses were not removed.

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 2020-12-02
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I started an online chat with my Mortgage servicer ( Flagstar ) asking about how to remove the PMI from my loan. At that time my LTV ratio was 81.596 %. 
On XX/XX/XXXX I started another online chat with my Mortgage servicer asking more info on options/ways to remove the PMI. One option they indicated was if we had made significant improvements to the property, thereby increasing its value. We had done this, so I submitted the paperwork with full details on all updates we made ( full kitchen remodel and a bathroom remodel, plus an office added ). 
On XX/XX/XXXX I submitted the paperwork to Flagstar via email, per their instructions. 
On XX/XX/XXXX I received a robotic denial letter from Flagstar. In the letter, they indicated my LTV ratio was too low to allow for the PMI removal. They indicated my LTV was 81.3 % - or, exactly my loan balance divided by the original XXXX appraisal value. It was clear that they did NOT even look at or factor in the substantial home improvements we made. We put {$25000.00} in improvements to the property and they ignored this on my request and apparently just did an instant reject. 
On XX/XX/XXXX I wrote a letter attaching all proof of what is listed above ( chats from Flagstar, my original PMI removal request and the updates we did, and their reject letter ). In my letter, I showed them that we put {$25000.00} in updates, and even if we used 100 % of that total, 75 %, 50 % and even only 25 % of the money we put in to fixing it as " added value to the property '', our LTV ratio would indeed be well below 80 %, qualifying us to have the PMI removed. 
I sent this letter via certified mail on XX/XX/XXXX. 
On XX/XX/XXXX I also sent a copy of the certified letter to the email address that assesses the PMI removal requests. 
After a month had passed, I still had not received any reply to my letter. 
On XX/XX/XXXX I sent a follow up email indicating I had received no reply to my certified letter. 
I am submitting this formal complaint, as I feel we have been completely ignored and unfairly denied the PMI removal. Unless I am missing something else here, the mortgage company has been unhelpful, making me jump through hoops and ignoring my requests and letters. I have to continue to take time out of my day to keep following up, or putting evidence together, only to have no replies or answers.

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 2023-03-17
Company: CCS Financial Services, Inc.
State: TN
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:
Upon reviewing my Experian credit report, I noticed 2 accounts in collection with Credit Collection Services, XXXX, MA. The 2 accounts are duplicates, with the alleged original creditor listed as XXXX XXXX XXXX. One total says {$110.00}, and the other {$110.00}. XXXX XXXX would to insure a person a second time who had an outstanding balance with them, so this is clearly in error. 
Second, I dispute the validity of any debt with them. In XX/XX/XXXX, my son was diagnosed with an illness that would prevent him rom driving for some time, and I called XXXX XXXX and had him removed from the policy. They explained that he would not be able to return to the policy, and I accepted those terms. I was still billed for his coverage, despite termination. I attempted to resolve this with XXXX XXXX, and instead they set me to collections with Credit Collection Services, who then reported me twice on my credit report, or the same account. 
I believe my son is also being discriminated against as per the Americans With Disabilities Amended Act 2008. 
I have attempted to contact Credit Collection Services, and I only remain on hold or excess of an hour each time I attempt to call. I have been unable to reach anyone there. 

I have also made NUMEROUS attempts to contact XXXX and there is no way to reach a live representative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2005, I took out a HELOC from XXXX XXXXXXXX XXXX. For a loan up to {$51000.00}. We did not spend or use that amount. We don't know the exact amount when the loan was sold to XXXX XXXXXXXX XXXX. Then the loan was then again sold another company and the amount kept increasing. When loan was transferred we never received any information, we couldn't get access to our account. It took approximately 10 years for them to file a foreclosure. With no contact between back then and now. From transferring the loans several times to current account. The amount has changes astronomically in numerous ways. Each company has a different amounts. We are currently in the process of refinancing the house but we need more time to stop the foreclosure. We are also trying to figure out how a HELOC loan such as ours can slip through the cracks and not get any information remotely close to trying to collect a debt years ago and going straight for foreclosure. Had we had proper notification we could have prevented this stressful situation and remained in good standing.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have repeatedly contacted Experian through the mail, asking them to update the information on my credit report with no success at all. They just keep ignoring my request.

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 2023-06-26
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
Company: United PanAm Financial Corp.
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:
As of XX/XX/2007 my credit was reported for a balance {$16000.00} I did not acquire for any one to report my credit without my consent according to the law 15 usc 1692g I DEMAND to dispute and validate all debts, or any portion thereof, the debt will be assumed to be valid by the debt collector.

Company response to consumer: Closed with explanation