BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: GA
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:
I bought a product from Equifax for XXXX online I was. alerted that my report was accessed 27 times so I called to dispute the information. 
I have a product I bought that supposed to have fraud resolution support, i called. Equifax to dispute these fraudulent inquiries they. wouldn't do it, but this product gives you or supposed to give the abililty to dispute fraudulent accounts or inquiries, i was treated with disrespect, I paid for this product and I expected help for the 27 inquiries on my credit report because its inaccurate information, thats what this product is there for you to buy and get customer support from a fraud resolution representative at Equifax, this product seems to be fraud you spend the money you go to call no help at all, I want Equifax to reach out to me and resolve this, under the fair credit reporting act you have the right to dispute fraudulent accounts any inaccurate information on your file and information that you recognize, please help to resolve this .i have contacted Equifax they have failed to help with the situation, I bought a monitoring product and it alerted me that my report had over 27 inquiries on my file and this is fraud and I dont recognize these inquiries I have ask Equifax to remove these inquiries and in their response they want me to go to each individual company and dispute it with them but due to this COVID-19 no one is in theses offices at this time, so I bought this product to insure I stay on top of my credit but unfortunately Equifax has took my money and doesnt want to help I was treated with disrespect and hung up on and I sent them a FTC identity theft report to show I filed it and sent to them through better business bureau they failed to want to help, please have Equifax resolve this and take these inquiries off my file please and have them contact me I will not go through any company because of this COVID-19 thats a waste of my time and these inquiries are fraud, I do not want a fraud alert on my credit report Ill decide that, but please help as I have tried 10 times and Equifax has ignored me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: LA
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:
This Credit Bureau is reporting incorrect Bankruptcy Chapter XXXX to my credit report. The information is wrong and this file should be removed from my credit report. I tried to request this credit bureau SEVERAL times as the other credit bureaus cooperated very easily. This credit Bureau stated the Bankruptcy is verified as accurate and remains. I then contacted the US Bankruptcy Court and ask them what is being verified or what are they reporting to the credit bureaus. 

I have attached a letter from the US Bankruptcy Court agreeing the credit bureau 's information is incorrect and should be removed. The court stated in this letter, it's my right to request this credit bureau to remove this incorrect info from my report. 

I expect this credit bureau to remove this Bankruptcy XXXX file in 30 days, or my lawyer will request to handle this in court. My lawyer, the US Bankruptcy Court and myself are waiting for your response, as we are ready to take legal actions is this is not removed within 30 days. 

I also have other supporting documents requesting this to be removed from my credit bureau, that the court attached. However, I am not going to include them, as it has my personal info on them and i do not wish to upload them for my own privacy.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: MA
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 credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. the grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A. states i have the right to privacy.

15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet

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 2023-06-11
Company: Experian Information Solutions 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 Fair Credit Reporting act 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

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 2019-11-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX stated once current on payments, all late payments would be removed from credit file. Company continue to furnish improper information on credit file according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB Team, I am complaining for mishandling my Property Tax payment by BSI Financial Services. 

BSI did not pay my property Taxes timely and when I got notice of Non Payment, I immediately shared the copy with them and they confirmed they will make the payment. After receiving further notices I started following up with them regularly and it took them 4-5 weeks for initiating payment as they lacked resources as per them. The payment was released late despite of me reminding them of last date and this their check was rejected and my taxes went to Tax Sale. After speaking to BSI customer service that I will make the payment to avoid reporting to my credit report and they will reimburse me they are completely non responsive to my claim and they are showing record that they have made the payment. I call them every week send them follow-up emails but they do not respond and customer service just takes information and dont do anything. 

I need help and guidance to resolve the issues and get my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Convergent Resources, Inc.
State: AL
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:
XX/XX/XXXX When checking my credit report I notice a charge of XXXX from XXXX through a debt collector by the name of CONVERGENT OUTSOURCING. This is a fraudulent bill and a result of Identity theft as previously reported to XXXX in XXXX. This company has been reckless and negligent in reporting erroneous bills to my credit report. I have sent countless documents to XXXX  showing that this is the result of Identity theft but they have yet to remove this bill from my credit report.

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 2020-05-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 at around XXXX AM, I received a called from my sister, XXXX XXXX, stated that Wells Fargo Bank was trying to get in touch with me and said I needed to call back. The woman leaving the message said her name was XXXX. I did not call back right away, but about 10 minutes after getting the message my phone began to ring. and continued to do ring twice before my daughter XXXX said, that might be Wells Fargo calling back. I then answered the phone and it was the woman named XXXX and that she was from Wells Fargo. She proceeded to tell me that there are some unauthorized transactions on my debit card. She went on to say that someone in another state was using my card number at a Target for {$690.00} and a XXXX for {$120.00}. She stated that Wells Fargo is shutting my card down and issuing out a new one. XXXX had my personal information like the last four of my Social Security and my cellphone number. She went on to say I will be receiving a verification code through a text message and to give her the number once I receive it. I did and she told me to hold on and not to hang up. Then she came back said I was all set and I should receive my new debit card in XXXX business days. I then hung checked my account and found that there was a {$2000.00} wire transfer out of my account. I immediately called the bank and told them what had just happened and that my account had been compromised. The person I spoke with at the bank was named XXXX. He then connected me to the fraud department where it was taken over by XXXX XXXX at Wells Fargo. I was given a claims number of 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 2020-05-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX various major data breaches across several industries were revealed including a XXXX breach of equifax, I changed all of my passwords and attempted to secure my data XX/XX/XXXX An identity thief utilized my personal information to open an account without my consent or knowledge XX/XX/XXXX I received notification of an account that had been opened and had payment due ( {$3700.00} and {$500.00} ), I immediately called and notified them that this was identity theft and demanded the account be closed and voided. I requested confirmation of both in writing. 
XX/XX/XXXX Received another set of bills, called again and was told that previous call had been recorded, the account was closed and the bill was sent in error. Again requested documentation in writing and was told this would be mailed out. 
XX/XX/XXXX - submitted an identity theft report XX/XX/XXXX novel corona virus stay at home orders started in my state ( PA ) and I did not immediately notice that I had received nothing in writing from XXXX XX/XX/XXXX Received notice that my credit score had changed, immediately noticed a collections account that did not belong to me. Filed disputes with all major credit agencies, am again reaching out to XXXX to correct their issue and remove this unlawful account XX/XX/XXXX - Sent identity theft dispute letters to both XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX - Received notice from Equifax and XXXX  that they would not be treating this as identity theft and would remain on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2019, PORTFOLIO RECOV ASSOC add a derogatory mark on my credit report per XXXX, XXXX, XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My current mortgage servicing company is spying on my credit report without my authorization, they have in the past acted unethically and fradulently. I don't want them to keep violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Comenity Capital/ XXXX XXXX XXXX XXXX, ETC hard inquires on XX/XX/XXXX & XX/XX/XXXX I did not apply for this neither times fraudulent Factual Data- Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX All of these are fraudulent hard inquiries I did not apply for none of these and I tried reaching out to the company and did not get a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: NC
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:
When verifying my credit score in XXXX XXXX I observed that I have innumerable requests for credit intagacion which I have not made, mostly they are from car dealers, since I do not need to do them because I have a car. 
I was a victim of identity theft in the Equifax XXXX case and I am in the class lawsuit against Equifax. I have contacted some of the auto dealers where they have checked my credit and they do not have evidence of my identity as a license copy. driving, I request that these inquiries be withdrawn from my credit, thanks, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America, XXXX XXXX, Florida has placed false information on my credit report that has prevented me from getting a home equity loan from XXXX. They show unpaid credit card bills for charges I've never made on cards I do not have. They also show charges as unpaid that I paid in person at the bank. 
When I called the president 's office in Texas, the secretary simply hangs up on me. When a male friend called on my behalf the woman answering the call ignores his conversation and launches into a chat about her children ... anything unrelated. 
When I call the Bank of America number supplied on my XXXX Report, one person tells me they'll take care of it, that it's fraud, when I call back another demands I pay the charges I didn't make. 
I spoke to my niece in NJ and she tells me about a similar experience. I think Bank of America should be investigated and major changes made. My attorney suggested I try first to work things out with the bank.

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 2019-11-05
Company: Experian Information Solutions 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:
I have been a victim of Identity theft

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 2020-05-30
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive been using cashapp for years. Recently I had a large deposit made ( large amount ) and I suppose they thought it was fraud. I currently have {$70.00} in the account that I cant deposit to my bank or send to anybody else. Cashapp disabled my card and froze my account without any type of email or contact on regarding the issue. Ive tried reaching support but no answer. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  XXXX  is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1500.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.

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 2021-05-30
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: Account information incorrect

Complaint:
XXXX is not updating my credit report. How is that XXXX has the same amount of credit accounts that XXXX have and my XXXX  credit report not being updated. XXXX scores XXXX and equifax is XXXX. It's obvious that XXXX is not updating properly. My financial opportunities and future financial growth is not favorable and sends a confusing message to future creditors. As a person of XXXX these discriminatory disparities is unfair and this is an honest attempt to remedy these contant and consistent acts of XXXX who continues to blame the creditors. The creditor are updating on XXXX who has the same accounts as XXXX. This feels like a scam and if not corrected I will be false to bring legal action.

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 2021-01-23
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC will not mail a full mortgage statement without verbally being instructed to do so *every* month. This requires a consumer to sit on the phone for 5-10 minutes dealing with an automatic operator system just to then to be able to speak with a representative for another 5-10 minutes to ask for a paper copy of a statement *every* month. 

When asked why one can't just receive a paper copy every month, as had been received previously from the same company, their response was " oh, it was a business decision, we don't have the infrastructure anymore to do that '' when they clearly do because they will mail a paper copy of a statement after I have to call them to request it *every* month. 

The XXXX section does not specify that a consumer must contact the mortgage servicer every billing cycle to receive a full copy of a mortgage statement, only that a consumer must consent to the method of receipt : in person, verbally, written, or otherwise electronically. No specification exists that a consumer must communicate to the servicer that they wish to receive a full statement repeatedly for every billing cycle if the servicer decides to send a " coupon book ''. 

Specialized Loan Servicing LLC won't provide a consumer with a paper copy of the mortgage statement unless the consumer repeatedly calls them to request one *every* month.

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