BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: OH
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 some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! 
I have listed all details below XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX  # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  XXXX  # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert today that an account from this company was reported to my credit report and I have not received any notice or anything at all explaining why! I do not have and written contracts with this company and have NEVER been in contact with them! This is against my consumer rights that this was done and I want it fixed immediately and my 32 points reimbursed to my report or I would have no choice but to exercise my consumer rights and take further action!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  month XXXX  days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry po box XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
T
he credit-reporting company Equifax has had knowledge, since late XX/XX/XXXX, that my personal information was likely compromised, and I was not informed until early XX/XX/XXXX. This is also true for over 100 million other Americans. I 've placed, through XXXX, a 90-day fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax was incredibly careless with their sensitive customer data and now that they 've been hacked, some unknown group of criminals has access to my personal and private information. I was not even notified until I saw it on the news. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/XXXX, Equifax Inc. announced " a cybersecurity incident potentially impacting approximately 143 million U.S. consumers '' and that " intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' On XX/XX/XXXX, I went to the Equifax website to check if I had been impacted. I entered my last name and last 6-digits of my SSN. I recieved the message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I was offered to enroll in XXXX XXXX XXXX, however I am concerned that doing so may weaken or limit my future legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Due to the XXXX  hack, I had been monitoring my information. I was informed of a new account via email. I contacted Wells Fargo and was told that even though the social, name, dob, and all match the account, I could not access it since I stated this account is fraudulent. I found this atrocious. This bank was just punished for fraud, and would not allow a consumer to access an account made by a fraudster in my name, with my social, my date of birth, my phone number, my address etc. they told me I needed to contact a different department in the morning. IE : they wanted to allow the fraud to perpetuate for at least 12 more hours, resulting in the fraudsters being able to change the address, and email associated with the account to intercept the information and apply for other means of credit! NOT TODAY! I called back, totally made my self to be the account owner ( since I legally was ), and had the account closed. This should have happened the first call. 
Stop Wells Fargo from allowing fraudulent accounts to be opened so easy.

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 2022-02-09
Company: VALLEY NATIONAL BANCORP
State: NJ
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:
XX/XX/2021 Hard Inquiry Report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
On XXXX/XXXX/XXXX I discovered my credit information had been part of the Equifax hack. I am very concerned for my future now. I was planning on buying a house next year and now I feel as if everything is up in the air.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from LVNV Funding, LLC. I had previously disputed this account. I have never done business with LVNV Funding, LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV Funding, LLC provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LVNV Funding, LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There is an old address in my report. I moved out from this address since 2008. The address still appears in my report for over ten years at this point.

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 2019-07-31
Company: WELLS FARGO & COMPANY
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 applied to apartment and was denied for the following reasons. 

Wells Fargo- Reason of dispute- Never had an account with them I am a twin with a lot of problems. My sister had an account with them. 

Her name is 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 2021-04-14
Company: CAINE & WEINER COMPANY, INC.
State: IA
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:
On XX/XX/XXXX I received correspondence in the mail from Caine & Weiner that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Caine & Weiner is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PennyMac LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX We have had a short sale going on with PennyMac since XX/XX/19. The authorization letters were sent on XX/XX/19 and XX/XX/19. We have spoken to PennyMac multiple times since then via both email and on the phone, and have even received an approval letter for the short sale. 

Today we were told by multiple people, even management, that we are not authorized. They refused to speak to us and said we were never authorized. 

**HOW is that possible if we received an approval letter and have spoken to PennyMac MULTIPLE times over the last several months?? 

So. Either PennyMac inappropriately communicated personal financial information to us throughout the entire past few months- including sending an approval letter to us, or they are now lying about our authorization status. Either way, this needs to be resolved immediately. 

I want PennyMac fined the maximum of $ XXXX due to their gross incompetence and consistent inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
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: Information is missing that should be on the report

Complaint:
I open an account with XXXX XXXX Bank of New Jersey back on XX/XX/2018, it was reporting to Equifax for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Reporting company used your report improperly

Complaint:
Equifax, through negligent security protocols, allowed a security breach that compromised 134 million customer reports including social security numbers, addresses, and even drivers license numbers.
Equifax did not disclose the breach for almost two months, and the website they created for searching your personal information is vulnerable.
In addition, Equifax created terms of service for their " free '' credit monitoring program that forces affected customer to waive their rights to damage claims.
The lack of transparency, poorly designed response, and diabolical waiver of rights buried in their TOS is unconscionable.
There is currently no viable process in place to freeze or put a hold on credit inquiries or unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: UT
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:
Equifax did not adequately protect my personal information. I am one of the 143 million individuals whose privacy and safety was compromised by Equifax 's inability to protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Due to an apparent lapse in security protocols, my information along with millions of other credit customers was compromised in an illegal hack. This leaves me exposed to, among other things, identity thieves, spam, individual hacking attempts, and various other violations of my privacy. Equifax needs to be held accountable for this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent RightPath a conditional Cease and Desist letter. They were to communicate with me only about the remedy I seek OR sending me documents I am requesting. I sent it certified mail, I have confirmation they received it on XXXX the XXXX. I received a called from a XXXX that is calling from RightPath, which sometimes serves as a debt collector. She called on the XXXX of XXXX ( XXXX am ) attempting to collect a debt. She violated the Cease and Desist and caused my wife and I stress and mental anguish over this alleged debt. I will be sending RightPath a letter of these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XXXX/XXXX/XXXX a claim was initiated for fraudulent and unauthorized transactions on my debit card. This claim has surpassed a 90 day time period since XXXX/XXXX/XXXX and claim is still not resolved. Information regarding the theft of not only my funds but possible identity, have not been provided by the merchant and bank of america has no further information to provide nor has contacted me regarding this claim to this point.

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 2017-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was informed on XXXX XXXX, 2017 that Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. In response, I placed an initial 90 day fraud alert on my file. When I visited the Equifax website to see if I had been affected, I was informed that they had reason to believe my information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NE
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 personal information was compromised. A group of knowledgeable players knew this a month ago and said nothing to 45 % of Americans. But they sold their stock in Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One Auto Finance is trying to collect a debt from me as a co-signer of my son XXXX XXXX, ( I use initials as identity protection ) auto loan. My son had insurance, and made a supplemental payment to Capital One. 
They have never provided me any documentation as to The Amount of the Loan and XXXX ) What/How Much the Insurance company Paid to the balance owed. 
XXXX ) What/How Much my son made in supplemental payments XXXX ) The remaining Balance due to them. 
I'm not paying a penny until they can document their billing to me. 
It seems that they can attach a claim to anyone who's name is on a contract regardless if they're entitled to it or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated in 2004 with a student loan debt of a about {$30000.00}. I have never held a job related to my career and end up paying out of my paycheck every month an amount I could not afford to pay. I called Navient several times to lower my monthly payments but I would have end up making more payments in the end. I have had a deferred payment which allowed me to stop a few payments to only moving those payments to the end of the debt. I would like to get a forgiveness student loan since I have paid for more than 18 years. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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 equifax hack announced in XXXX XXXX, 2017 has affected my SSN. This has been confirmed by their official website with my information. That means that due to their negligence, my personal information is out there for someone to steal and use as identity theft. The lack of transparency from equifax is unprofessional, not to mention the fact that this happened in XXXX and they wait 2 whole months before telling the public.

Company response to consumer: Closed with explanation