BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was contacted by a credit help company who turned out to be Lexington Law.  I was promised that my credit items would be removed and corrected and they said they would charge me {$14.00} to get started. I was billed a total of {$700.00} over the past 5 months and have not been able to reach Lexington Law to cancel my services despite trying every week. I was able to reach them one time on XX/XX/XXXX and canceled my services, and was told I wouldnt be billed anymore. I was billed twice on XX/XX/XXXX. Lexington Law lied about what they would be doing for me and promised by signing up for their top package my credit would be repaired, but they havent done anything at all. I have since learned that credit repair companies are a scam and they promise a lot of things that they can not deliver. I want all of my services canceled fully, want my fees refunded, and want them to completely stop messing with my credit - I keep getting letters from creditors saying that I am stating accounts are fraudulent when I never said that they were - I feel like they are doing a lot of not above board things. The fees charged are below : XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$19.00} Late Fee ( why? ) XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} Late Fee ( why? ) XX/XX/XXXX {$6.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX  XXXX  XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX  XXXX - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE INFORMATION ON MY REPORT THAT I HAVE NO KNOWLEDGE OF AND ARE NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX  BANK 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 2023-03-04
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: National Credit Systems,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:
I received a response to a former complaint on cfpb by National Credit Systems, that they will be removing an inaccurate collection account on my credit profile from each credit bureau on XX/XX/21. This inaccurate collection account remains on my XX/XX/XXXX credit report and National Credit Systems have been unresponsive to my request to delete this inaccuracy from my credit report immediately as its still currently showing on my profile and its negatively affecting my ability to obtain credit. They have NOT deleted the account as they promised to do so accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase at XXXX XXXX XXXX XXXX on XX/XX/2021 in the amount of {$24.00} and had problems with the online/mobile transaction. When I attempted to dispute the charge on barclaycardus.com it doesn't give me the dispute option, and when it does it states that I have to mail in my materials to a Delaware address. I haven't experienced anything like this in the past XXXX years, everything we do these days is online! I had to call in 4 times because everyone I spoke with kept transferring me somewhere that would answer with a message along the lines of 'we are unable to take your call, please call back again later '. That message is sort of odd, since we're about 10 or so months in Covid. That excuse is so worn out by now, no one accepts it anymore. When I finally did get through to someone ( who called herself XXXX, and promptly hung up on me ) she was very argumentative. If Barclays does not want my business, please let me know!

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 2023-05-04
Company: EQUIFAX, 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: 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 Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
attempted to help. I did not note the agent 's name. The agent asked if he could call. I agreed. On the phone the agent had me download an app called XXXX XXXX. The agent explained this was one of the procedures Cash App employed to better serve it, clients. The app lets an agent see was the client sees. The agent said, " in order to unlock your account type this in and hit enter ''. I did as instructed, Belatedly I realized I had typed in the procedure Cash App uses to wire funds, a cash tag followed by a numbered amount. I confirmed with the agent whether I had wired funds. The agent said not really because the funds went to a Cash App dummy account and would be reversed back into my account in a few hours. I was not happy and protested the agent 's actions. I was uncomfortable using the App after that and choose instead to wire through XXXX. The next morning the money still was not in my account. I tried customer service via the app and received no response, unlike before. There was no other form of contact available to save the email. I wanted the money situation addressed quickly before the transaction was completed. I wanted a live person to intercede immediately. I went to the web and found a number for Cash App. I called and asked for a manager. XXXX XXXX identified himself as a manager. I explain that an agent from cash app deducted funds and I wanted them back. Mr. XXXX assured me he would get the funds back but he too had to verify I was authorized to access the account. The authorization process was the same. I bulked. But wanted the funds back. Mr. XXXX did not use the same hashtag method but he named a series of numbers that ended up being deductions totaling {$3500.00}. Cash App has stopped responding to me or my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In the spring of 2018, i had a XXXX  balance with XXXX, i had paid off the entire bill, when i received a check from XXXX in the amount of abour {$130.00}, i then called XXXX XXXX customer service and inquired about the reason for the check and should i cash it, they assured me that i had overpaid and hat i had received the check because my account had a credit balance. I cashed the check and the next month i received a bill for the amount that the check had been plus interests and finance charges, i called and was told i should not have cashed the check, that a mistake had been made, i tried to reason with hem and reported that i had called before cashing the check with no results. The amount now has gone up to about {$370.00} because of interest and finance charges. This was not because of a purchase i made but all stemmed from a check that they erroneously sent to me. From a {$130.00} check they sent to me to now to {$370.00}. It has now been put on my credit report, lowering my credit score so that i can not qualify for any loans or anything. 

The XXXX account # wasXXXX XXXX XXXX XXXX financed through XXXX XXXX. The account was turned over to LVNV Financial, LLC C/O Resurgent Capital Services XXXX  XXXX XXXX, SC XXXX, Phone # XXXX for collections and this is on my credit report. This all originated from XXXX  XXXX/XXXX   XXXX  XXXX XXXX, FL XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and XXXX XXXX   with no successful resolution. XXXX XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Select Management Resources, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I went to NTL in Delaware for a loan, desperate because I had to move on XX/XX/XXXX and  did n't have all the money to do so. I received XXXX on that day, not realizing the interest was at 300 %. I am a PA resident. and do n't think my interest should be this high. I am now struggling to pay XXXX a month just in interest and not towards the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions 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:
XXXX XXXX has been reporting on my credit report without consent and Bill of Sale did not come from 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 2021-04-11
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had extensive work done on my house last XXXX. The insurance put PennyMac on the check as well so I sent it to them for endorsement. I paid {$3000.00} out of pocket for the work, but still owe almost {$4200.00}. For the past 6 months, PennyMac had me jumping through hoops, submitting a ridiculous amount of unnecessary paperwork. I submitted everything they asked for. They continuously gave excuses for why they would not release MY funds. Documents they previously accepted suddenly had new issues. I resubmitted everything. I had their people do the final inspection they required, yet they still refuse to sent my funds. The work was done almost a year ago and they still have excuses for not sending me my money. The final inspection has been done since XXXX. I will be happy to have my XXXX file a complaint too, because they have suffered this inefficient companys circus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: AR
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:
Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my XXXX  XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
This dept was paid, I have a paid receipt and I show my bank withdrawal for this amount. Rapid cash is claiming it's not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo has not provided us with all of the information we have repeatedly asked for. They claim to have on XX/XX/XXXX. This is a lie. We have not received any of the information we have requested. Wells Fargo needs to provide us in writing proof of met modifications, Proof of items that they are calling proprietary. If an item is proprietary we are requesting in writing proof that it is as such. If it is legally proprietary we are requesting in writing the items we have requested. ( copy of phone call on XX/XX/XXXX. copy of investor guidelines as to how many modifications, forebearances, and re payment plans are allowed to us. We to date have had 1 forebearance, 1 so called HAMP modification, ( it did not fit HAMP guidelines ) and 1 in house re payment plan. We would also like an investigation into Wells Fargo treatment and practice of customers with XXXX. We have been discriminated against and we do plan on filing an official complaint against Wells Fargo. We also would like an investigation into not only Wells Fargo but XXXX XXXX XXXX of Utah for not following Utah non judicial law. WE were not served with a notice of default. We found out about our foreclosure sale online. We also would like an investigation into the deceptive practice of Wells Fargo concerning Hamp Tier II guidelines. Wells Fargo continued to lie to us and put off our modification until the program  ended. Fully knowing and admitting to us that we were eligible for the program.

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 2020-11-24
Company: Consolidated Information Services Solutions, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, CIS XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: RentDebt Automated Collections, LLC
State: MS
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 company is reporting a credit card on my credit reports and refuses to delete the information. Ive disputed this account multiple times and it keeps returning as updated after only 1 day of being open. Ive asked the original furnished to provide to me verification in the form of the original consumer contract with my signature on it and all Ive received was a print out of the account with a list of information and no signature anywhere. They continue to report my information even when they have no verification. The credit bureaus also have failed to investigate thoroughly because if a human being actually investigated and not XXXX, they wouldve deleted this account a long time ago. The negative reporting is defamation of character and I am preparing to seek litigation for damages caused by the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation