BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: AL
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file. : XXXX XXXX XXXX : {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by XXXX XXXX XXXX. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/ my credit score was unable to be calculated through Equifax. 
I reached out to Equifax and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
There was a {$25000.00} transfer from my checking account that was not authorized by my wife and I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX has drafted {$2600.00} of payments above my minimum mortgage payment amount. I have asked they return the money immediately, but they have yet to return any money. My last correspondence with them was XX/XX/2018, yet no reimbursement has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: CO
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:
Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Subject : Cease and Desist Harassment under Consumer Law ( 15 USC 44, 12 USC 83 ( a ) ) Dear [ Debt Collector 's Name ], I am writing to address a matter of grave concern regarding your company, LVND Funding, and its persistent and troubling collection practices. This letter serves as a formal complaint and demand to cease and desist the harassment I have been subjected to in violation of the Consumer Financial Protection Act ( CFPA ), 15 USC 44, and relevant federal statutes, including 12 USC 83 ( a ).

Since 2018, I have been receiving an excessive and alarming number of phone calls from your agency, LVND Funding, in relation to an outstanding debt. These calls have escalated to a point where I am receiving between 9 to 13 calls per day, which not only constitutes a severe breach of my consumer rights but is also causing a tremendous amount of distress in my life. 

Furthermore, it has come to my attention that some of these calls are characterized by foul language, silent calls, and outright harassment. Such behavior is unacceptable and is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) as well as other consumer protection laws. This ongoing harassment not only disrupts my daily life but has a detrimental impact on my overall well-being. 

I would like to remind you that the Congress passed the FDCPA to ensure that consumers are protected from abusive, deceptive, and unfair debt collection practices. These calls clearly contradict the principles set forth by the FDCPA and related regulations. 

I demand that LVND Funding immediately cease all forms of harassment, including but not limited to the excessive number of calls, foul language, and silent calls. This persistent harassment has caused severe hardship in my life, especially considering the challenging economic circumstances we face today. 

I also request that LVND Funding complies with all relevant federal and state laws regarding debt collection practices. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights and seek remedies provided by law. 

I expect a prompt response to this letter, confirming your commitment to cease the harassment and outlining the steps you will take to rectify this situation. Your cooperation in this matter is not only a legal obligation but also a crucial step toward resolving this issue amicably.

Company response to consumer: Closed with explanation
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:
On XX/XX/2023, XXXX made a hard inquiry on my credit report by obtaining a copy of my credit report from Equifax. I did not authorize or request XXXX to obtain a copy of my credit report, nor applied for credit with either agency. Upon calling XXXX the very next day, the bank confirmed that the request was fraudulent and verbally promised to submit a request to Equifax to have the inquiry removed. 

Equifax did not remove the inquiry. 

On XX/XX/2023, I submitted a dispute to Equifax, informing the credit reporting agency that the inquiry was fraudulent. Equifax conducted an investigation and refused to remove the inquiry, stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY, '' as their reason for refusal. 

I called Equifax on two separate occasions after receiving a response to my dispute. Both agents of Equifax advised that the only way Equifax will consider my dispute is if I provide a police report showing the fraudulent credit inquiry. 

The Fair Credit Reporting Act ( FCRA ), in part, requires credit reporting agencies, such as Equifax, and furnishers of credit information to only report accurate information on a consumer report and requires removing information that is not factual upon a good faith dispute made by a consumer. There is no requirement under the FCRA to establish a fraudulent inquiry by submitting a police report, or a report of any kind, for that matter. Instead, the FCRA requires CRAs such as Equifax to obtain verification of whether the inquiry was made in accordance with FCRA and remove information that can not be verified. In their response, Equifax does not claim to have verified the inquiry with XXXX XXXX but only makes a conclusory claim that the inquiry is " factual information. '' Accordingly, Equifax violated the FCRA by denying my dispute request without confirming that the inquiry was made in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : Also states a consumer reporting agency can not furnish an 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 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:
There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-03-01
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:
Hey there! I originally saw a personal loan amount of XXXX XXXX  from XXXX XXXX on my credit report in XXXX of last year. I have disputed non stop with all credit bureaus, called the loan company that has used my information fraudulently to open an account under my information. It had dragged my credit down from a XXXX to now a staggering XXXX. It is effecting my life and I have had to have my mother co-sign to finance my vehicle after my lease. The whole point of my lease was to build my credit. Oh well. I have disputed with all Bureus and identitytheft.gov, and through some research I have found yall. Whoever this person is has closed the account and now has apparently paid some of this loan off. XXXX also temporarily closed the account after my first dispute. My credit went from XXXX originally, to then a XXXX on the first drop. I noticed the fraudulent account, disputed and boom back to XXXX. I thought okay maybe transunion is helping me then next month or so huge drop to XXXX. XXXX points. Then XXXX, now XXXX. This is just a nightmare of an experience. The pics I provide will show the drops and whatnot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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 am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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:
I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals OfficeXXXX XXXX XXXX XXXX and Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Information belongs to someone else

Complaint:
To whom it may concern : I have mailed several disputes and no changes have been made, to XXXX, XXXX, and equifax regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX. 

On my XXXX I have mailed several disputes since XX/XX/2014 and no changes made for First premier bank and XXXX XXXX which is listed on my credit report in error. 

Everything else is listed correctly. Please remove the incorrect accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested multiple times to Equifax to resolve my credit profile as someone else 's information has shared under my name and sin number. That person has very bad credit in the past and that is affecting my credit score as well. Requested Equifax multiple times to change my address on file but nothing has been updated. Requested Equifax to remove accounts from my file which were not mine and still they are on my profile. All the accounts were verified by bank but still no update from Equifax. Equifax has already checked everything and updated my credit score but after few days everything comes to file the same as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Absolute Resolutions Corp.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
1.On XX/XX/2023 at XXXX XXXX  my landlord was improperly served my documentation that was no sealed and revealed all my private and personal information. The server also incorrectly reported the landlord reported I am unmarried. 

2.XXXX XXXXXXXX  XXXX has further posted a derogatory report on my credit without confirmation of the debt, or contacting me by phone, in person or by mail ( electronic or letter ). 

3. The collector has failed to give me validation information about the debt in question.

4. This debt is time-barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance XXXX {$2100.00} Equifax : XXXX XXXX XXXX Balance : {$560.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX  was reporting a XXXX  XXXX  collection account in the amount of {$620.00}, Now MIDLAND CREDIT MANAGEMENT,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX is reporting {$820.00} on my updated XXXX  credit report. Two things this account is fraudulent which i explained to Midland credit Management who then notice me that another company which is XXXX XXXX who told me today XX/XX/2021 that they did indeed returned the Debt of {$820.00} back to Midland Credit Management yesterday XX/XX/2021. The second thing is When the debt first reported with XXXX  the debt was {$620.00}, so i wanted to find out how the debt went from {$620.00} to {$820.00} and no one can tell me how the balance changed, no documents nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The company will not allow me access to my credit report I've reported that someone hacked my email and password for the account and they refuse to investigate and allow me to freeze credit and report fraud XXXX and Experian both

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 2023-03-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS Mortgage is FRADULENTLY charging Consumers false and made up charges and then providing FALSE reports they make up but provide no proof of any payments made on behalf of the properties. 

I made a prior report CFPB Report XXXX and they provided a report THEY, SLS did allegedly in XXXX to PRESERVE any Property and the area and pictures are NOT EVEN my building or property. The pictures they attached of the alleged property they charged a Property Preservation fee which was NOT required in XX/XX/XXXX was NOT EVEN MY PROPERTY, not a single picture is my condo. 

They further alleged they made payments required by City of XXXX which City of XXXX has no record of on my specific property and the City further stated that anytime any agency makes a payment a detailed receipt is provided via confirmation of e-mail and they have tracking or receipt numbers to which SLS refuses to provide and states they have none. 

Spoke to XXXX XXXX the Loan Originator and they do not have ANY RECORD of fees from or for SLS and they claim they DID NOT INSTRUCT or pay or charge SLS neither the {$200.00} in XXXX nor the {$75.00} in XXXX. 

I have contacted a Class action attorney and hopefully with CFPB we can get consumers rights from continually being violated by such deceptive and fraudulent companies like SLS Mortgage Services.

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 2018-08-10
Company: EQUIFAX, INC.
State: NV
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:
XXXX, Equifax, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.

Company response to consumer: Closed with explanation