BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Borrower received a 3rd final loan modification on XX/XX/XXXX. She remained current on her mortgage payments and did not miss a payment. 

2. Hurricane Irma ( Category 4 ) struck Florida on XX/XX/XXXX. The Governor of Florida declared the entire state a disaster area. Immediately following Hurricane Irma, the Lender/Investor offered Borrower the Hurricane Irma Natural Disaster Forbearance plan.

3. Lender/Investor did not provide the Borrower with a Loan Modification after the completion of the Hurricane Irma Natur
al Disaster Forbearance plan as required by the program guidelines.

4. Lender/Investor denied the Natural Disaster Loan Modification due to Borrower previously receiving the maximum number of Loan Modifications, 3.

5. Therefore, the Lender/Investor created a Default of the Borrower by not modifying the loan after the completion of the Hurricane Irma Natural Disaster Forbearance plan. This refusal to modify the loan was in direct violation of the promise made by the Investor to provide hardship relief to the Borrower after the completion of the Hurricane Irma
Natural Disaster Forbearance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX - left a subpoena with my mother ( attached ) This subpoena was served to my mother and was addressed to my maiden name, which I have not used this name since I was married in XXXX. 

There was not attempt to see if this person named on this subpoena was me. 

It was served not in an envelope, not notarized, just a stained photocopy stapled together. 
The Case number is not a complete case number and there is no amount even stated on the paperwork. ( see attached ). 
I called XXXX XXXX XXXX  office in XXXX co, there is no record of any open cases against myself under my name. 

This is the second collection agency that has appeared in the last few months. 

This is not my debt nor my name. I have never received any correspondence from XXXX XXXX XXXX that I owe them anything. I do not have any collections on any of the 3 credit bureaus. I follow and watch them closely since my identity was stolen in XXXX. I filed a police report at that time proving my identity was stolen.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Updated Response for Case # XXXX : On XX/XX/XXXX, I wrote my XX/XX/XXXX rent check for {$1200.00} ( see attached XXXX. ) I wrote the check from XXXX Bank. The check was deposited at the Wells Fargo ATM branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. On XX/XX/XXXX, Wells Fargo took out {$2200.00} without my knowledge ( see attached XXXX. ) I immediately reported this to XXXX XXXX XXXX XXXX and Wells Fargo XXXX XXXX XXXX. Wells Fargo took out XXXX XXXX dollars over and caused my bank to go into overdraft by XXXX XXXX dollars. I opened my Wells Fargo Bank Account in the year XXXX. Wells Fargo shut down my account ending in XXXX in XXXX without my knowledge and for No Reason. This was only a checking account. Wells Fargo did the same thing to my account at Wells Fargo with incorrect amounts of money taken out and placing me in overdraft as they did on XX/XX/XXXX ( see attached XXXX. ) Rather than fix my account they shut down my account in XXXX for No Reason. XXXX XXXX is repeating the same actions with my XXXX checking account taking out incorrect amounts of money. I tried to reopen my account or open up a new account with Wells Fargo on XX/XX/XXXX, and they said they will not do business with me by opening up a basic checking account to deposit my government social security check as I am XXXX  XXXX and this is my only income ( see attached XXXX. ) Wells Fargo is treating me this way because I am 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 monetary relief
Consumer complaint received 2021-06-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX XXXX XXXX account was never included in my Chapter XXXX Bankruptcy. XXXX was notified by mail that I had filed XXXX. I continued to pay on my account each and every month while in my XXXX. Payments were never late and I continued to pay on time after my bankruptcy was discharged. I am attempting to get this erroneous information corrected on my account. My payments are not being reported as they should and the account is showing closed with a late payment in XX/XX/2021 which is not true. I have attached my XXXX schedules that were included in my Chapter XXXX Bankruptcy. It will show that XXXX XXXX XXXX XXXX were never included in my filing they were only notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Uplift, Inc
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company make a big mistake with my credit report they said I have missed payments! But, its no true! Only thing I did was delay payment for a couple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Synovus Bank
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This XXXX/SYNOVUS XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX/SYNOVUS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I CALLED XXXX XXXX : REGARDING AN ERROR THEY CONTINUALLY KEEP REPORTING ON MY CONSUMER CREDIT REPORTS PER XXXX AT XXXX XXXX ON XX/XX/23 @ XXXXXXXX XXXX  STATES THAT SHE SEE WHERE I PAID THE ACCOUNT OFF, ALSO STATING THAT ITS SHOWING {$0.00} BALANCE SO I SAID TO HER THE ACCOUNT IS SHOWING OPEN AND THAT IS INACCURATE AND ITS AFFECTING MY CONSUMER REPORT. SHE REPLIED BACK AND SAID TAKE IT UP WITH THE CREDIT BUREAUS THEY ARE THE ONES REPORTING IT NOT THEM MEANING XXXX XXXX. I HAVE REACH OUT TO ALL THREE CREDIT BUREAUS AND THEY ARE CONTINUALLY REPORTING AS VERIFIED WHICH THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. ( XXXX XXXXXXXX XXXX XXXXXXXX ) HAVE VIOLATED SEVERAL OF MY RIGHTS.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-02-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I've already told you that my full name is XXXX XXXX please remove all of the incorrect names you are reporting as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: OneMain Finance 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: Reporting company used your report improperly

Complaint:
The payment l had been making are not reflecting towards the balance. Therefore reporting inaccurate on my credit report. 

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 U.S.C 1681 section 602 A. Slates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, Experian allowed a fraudulent hard credit pull ( for a mortgage ) during an active credit freeze. The Experian website does not allow credit inquiries to be disputed online. The website asks the customers to call XXXX. However, the automated phone system does not allow an option for this particular issue, nor does it offer to connect me to a representative or leave a call back request. There is no published email address to handle specific consumer credit report issues. I have found no way to contact the company at all regarding this very concerning issue. 

There should be no credit inquiries at all on my report during a freeze. I've verified that a freeze was already in place on Experian for me. 

I've confirmed credit report freeze with all three agencies as well as placed an initial fraud alert on my SSN.

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 2023-03-07
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: Credit inquiries on your report that you don't recognize

Complaint:
The hard inquiries that I did not furnish or approve are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

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 2021-07-19
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call date/time : XX/XX/XXXX, XXXX XXXX The caller ID shows " Cavalry ''. The phone number was XXXX ( call back number is the same with extension XXXX per voice mail ). 

A female voice ( name is XXXX XXXX ( sp.? ) stated she needed help locating " XXXX XXXX ( sp.? ) ''. There is no XXXX XXXX at this phone number or our home address ( my wife has lived here since XXXX ). We do not know any XXXX XXXX. 

We are also on the Federal Do Not Call Registry with this number. 

I am aware of at least one other call from this company, perhaps six months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize them, and they are causing me a great deal of distress. I urge you to rectify this error as soon as possible.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There were 4 hard inquiries made according to my TransUnion report. I have not applied for any credit that would result in inquiries being made. The institutions are listed below : XXXX. XXXX XXXX Inquiry on XXXX XXXX, XXXX Finance/Personal XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. XXXX XXXX  XXXX XXXXXXXX XXXX Inquiry on XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX  Inquiry on XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX. XXXX XXXX Inquiry on XXXX XXXX, XXXXXXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX, GA 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 2023-08-16
Company: EQUIFAX, INC.
State: GA
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:
As a consumer in natural person I am aware of all the rights that I have and which are protected by The Congress under the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 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

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 2019-05-13
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a XXXX XXXX XXXX mobile phone Bill, that was My Ex wives, some how they attached my social security number to this outstanding bill, This Was XX/XX/2006, the total amount due was {$1900.00}, Kirschenbaum & Phillips threatened to sue and place a judgement against me. They took me to court, I agreed to pay the {$1900.00} in installments, I got sick couldnt make the payments, Somewhere in between there is this company XXXX that now has the default judgment, I was never notified, so now Kirschenbaum is saying I owe them {$4300.00} I contacted them and I was told they have received {$1000.00}, so I told them I would give them {$900.00} and that would be the original {$1900.00} that was owed, the will not settle for less {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: 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 XXXX and 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 2021-02-03
Company: Experian Information Solutions Inc.
State: PA
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 submitted a complaint to Experian about incorrect information being reported about me on my file. I have been in dispute for ONE item for the past XXXX months. The dispute is for a late payment that happened back in 2018. After speaking with the original creditor, XXXX XXXX, has applied the payment to the following month instead of the month that I was making the payment for, causing the late reporting. Well shockingly enough XXXXXXXX XXXX can not update the information on their end .... as a creditor I find this to be lazy and just unacceptable. If you, the creditor, were able to report the wrong information, you should be report the correct information, especially when it was the creditors fault. I digress. 
Upon many supervisors telling me the same thing, I submit a dispute with Experian, with proof of statements with the XXXX letterhead about the error. Experian, has conducted a terrible investigation because it completely disregarded the statements and said the information was verified. ( Being late ) How can you verify something without showing me WHY it's verified, who you spoke with and when, and what documents did you show me that you have received from XXXX verifying that I was late? Because I have sent YOU ( Experian XXXX the documents supporting that I was not late. 

I am not the only one who is having issues with this. I'm sure if enough people came together about the neglect for this terrible system, multiple class action lawsuits would come from this. 

My only anger is that I'm providing proof about the matter and not pulling a lie out of thin air.

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