BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Mortgage transferred my mortgage loan to Mr. Cooper. I had set up an auto pay with my checking account with XXXX XXXX Mortgage. When I received notice from them that my loan transferred I called to verify my payment would not be deducted and was told incorrectly that the auto pay would be disabled and no payment would be taken. I paid the payment to Mr. Cooper as the letter instructed. Apparently without my consent XXXX gave or sold my private checking account information to Mr. Cooper who AFTER I already made my payment took it upon themselves to reach into my checking account without my permission and take another payment from my checking account. While the payment was still pending with my bank I contacted Mr. Cooper who said they had gotten the info for auto pay from XXXX. I told them that I already made the payment and most importantly DID NOT give them my checking account information nor permission to automatically deduct anything from my personal checking account. XXXX from Mr. Cooper stayed on the line while she connected me with my bank. After much discussion we learned that I had to put money in to cover the payment, then stop payment. Which I did. Now Mr. Cooper has the nerve to charge me for a returned check. I never sent them that check they fraudulently dipped their hand into my personal checking account after getting my personal info from XXXX and tried to steal a second payment. I also had to pay {$20.00} to stop the fraudulent payment that they tried to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, INC.
State: SC
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 REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was reported back in XXXX and XXXX as a Fraud account and removed from my credit reports. XXXX placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in XXXX. You have 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. My personal information has been involved in a large amount of data breaches. 

You are in violation of the Fair Debt collections act for reporting an account that has already been reported as fraudulent.

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 2020-07-19
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: Their investigation did not fix an error on your report

Complaint:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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:
XX/XX/XXXX My complaint is against Equifax : They have gone through my whole credit file, and re-aged debt information from XX/XX/XXXX, to now show as if I have new collections, and charge offs from XX/XX/XXXX, and XX/XX/XXXX, thereby further destroying, and slandering my credit. 

Equifax does not update positive credit information that they receive onto my credit file, but consistently they do whatever possible to lower, and keep my credit score at a FAILING level. 

True financial facts, and updates that should be taking place monthly onto my credit file, are not. 

Anything derogatory, false, fraudulent, untrue, and at times even not belonging to me, is placed onto my credit file. 

In XX/XX/XXXX, I had filed a complaint with the CFPB against XXXX XXXX, and its collection cohorts. 
I have several accounts listed on my credit file, that since XXXX XXXX  XXXX, I have had nothing to do with, going on 4 years. 

I am attaching a copy of an ALERT from the XXXX XXXX XXXX, regarding XXXX XXXX. 

For years, Ive been making complaints about XXXX XXXX, for all of the same reasons, plus more, that the other consumers have complained about in this ALERT. 

TODAY, MY COMPLAINT IS SOLELY ABOUT EQUIFAX, as it relates to the reporting of the old XXXX, and their cohort collectors, and the other derogatory accounts that are on my credit file. 

ON XXXX, XXXX, I learned from two lenders, and an insurance agent that I was going to do business with. 

I learned that in XX/XX/XXXX, Equifax has gone through my whole credit file, and has lowered my credit score, even lower to the XXXX. 

Someone at Equifax, took ALL old XXXX negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XXXX and XXXX XXXX  XXXX. 

This was done intentionally to cause Irreparable damage, and it was done in collusion with, and on advice from XXXX, and its collection cohorts, because I had recently filed complaint against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: General Service Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Consumer Financial Protection Bureau ( CFPB ) complaint will be tendered as evidence that General Service Bureau Inc., of XXXX Nebraska has left me no choice but to begin a litigation process against them regarding a debt I do not owe and formally notified them of such. On XX/XX/2018, I sent a " formal ' letter of notification to General Service Bureau Inc., by " certified return receipt '' mail receipt # : XXXX XXXX XXXX XXXX XXXX. I have attached to this complaint a " copy '' of the notification letter and the U.S. Postal Service receipt showing the letter was delivered ( and signed for ) on XX/XX/2018 at XXXX XXXX. Still General Service Bureau Inc., refuses to acknowledge my rights under the FDCPA and cease contact with me after sending a " written '' demand to do so. I followed FDCPA protocol andI sent a  cease contact letter explaining to them federal violations if they continue engaging in federal violations regarding debt collection under the FDCPA. By continuing to contact me ( about a debt I do not owe ) shows a blatant disregard for federal law. Furthermore, my sole income is Social Security income which is federally protected income under the Social Security Act law. I am head of household and have no property of value. I am " judgment proof '' by law. In the XX/XX/2018 letter I made it clear that I will file formal complaints with the Nebraska Attorney Consumer Protection Division and the Nebraska Secretary of States Office that govern 's " debt collection '' license. If General Service Bureau Inc., continues to " harass '' me after I've made my position known in this matter, I will sue them. I am collecting evidentiary documentation in an effort to pursue this matter legally. I appreciate CFPB providing this venue as a form of viable documentation that I can share with the Nebraska Consumer Protection Division and the Nebraska Secretary of States Office. I will hold General Service Bureau Inc., accountable for their action regarding the harassment I'm suffering at their harassment techniques. I will demand a review and sanction of their debt collection license and request a investigation in their operational practices that harms the general public. Thank you for all the CFPB does for consumer 's in keeping us safe and vested in your mission. It is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit XXXX are reporting my personal information wrong ( name & addresses ), which is causing me to have a negative credit score. 
This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RE : Your Reference Number XXXX I requested the following information from the collection agency regarding the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled service with XXXX XXXX XXXX on XX/XX/XXXX on the basis of No Contract allowing cancellation at any time. I received a bill from XXXX  that covered the period of XX/XX/XXXX thru XX/XX/XXXX. Only 3 days not 31 days of service was actually provided. I was contacted by a collection agency ( XXXX XXXX XXXX of XXXX. TX ). I sent them a dispute letter and a check for the amount which I considered owed {$17.00} ( XX/XX/XXXX X {$180.00} = {$17.00} ) as payment in full. They never responded to this letter or cashed the check. When I followed up with the phone call to ask what the status was and why I didn't hear a follow-up to my dispute, they said that the account is cleared and I owed nothing. Several months later I received a duplicate collection notice from a second company, I.C. System, Inc of XXXX XXXX, MN dated XX/XX/XXXX. 

Following dispute an " Account Validation '' was received from IC System which said {$180.00} is still owed. Package contained a series of statements that indicates that regular full payments were always made on-time with the exception of the last bill which is in dispute. It also included a statement subsequent to this last bill that indicates that total amount was fully written off by XXXX. Accordingly validation shows nothing is currently owed and a revised statement to reflect this should be provided.

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 2023-05-28
Company: EQUIFAX, INC.
State: OH
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 XXXX Account : XXXX XXXX  Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXXXXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX  which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open on XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions in fair resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX ( XXXX ) & XXXX XXXX XXXX Please see attachments. We have contacted the toll free number twice ... once on XX/XX/XXXX and again on XX/XX/XXXX. At issue is a {$6.00} credit that had accumulated as of the XX/XX/XXXX statement {$6.00}. Called XXXX ( an unidentified male took the call. ) He said that he would apply BOTH the {$6.00} and the ( then due ) {$5.00} credit. This was NOT done so I called back on XX/XX/XXXX and spoke with XXXX who assured me that the credit ( {$6.00} ) would be issued RIGHT AWAY before the next statement closed. When there was no credit to our account I elected to go this route and have the CFPB contact the company. Attachments are demonstrative of the sequence of events. XX/XX/XXXX Statement, XX/XX/XXXX Statement and the XX/XX/XXXX Statement as well as, screenshots of the two calls I ( XXXX XXXX ) made to the toll free numbers.

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 2019-03-18
Company: SECURITY FINANCE CORP
State: SC
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:
The company is abusing my credit by purposely reporting my payment status as 30-59 days past due this month of XX/XX/2019 when it is less than 10 days past the due date. They are using this as a tactic / aggressive collecting.

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 2018-04-05
Company: EQUIFAX, INC.
State: MI
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:
Equifax refuse to remove XXXX XXXX  off my report. I do not have access to that account. 
They refuse to remove it. I am not an authorized user on that account at all. They also re inserted back XXXX XXXX and XXXX  XXXX back without a 5 day notice. They are violating FCRA. I disputed those items and had them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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 bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened this account in XX/XX/2019 and have deposited the same dollar amount in checks every two weeks and I am consistently having funds held from my account. When I called to find out why they can not give me a reason. I have been to a branch twice to have the funds released and they continue to do it. I have never had an overdrawn check or a low balance in my account. I have threatened to close the account and go to a different bank and that doesnt work either

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 2023-05-19
Company: MOHELA
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: NV
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 a problem with the equifax web site.the updates button are not working.i have had numerous issues with equifax web site? the tkt number was givin to me is XXXX.i am paying XXXX a month for there product and it is still not working??????

Company response to consumer: Closed with explanation