BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
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 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. 

XXXX XXXX XXXX  Account # XXXX ( {$1300.00} ) XXXX XXXX XXXX Account # XXXX ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-08-03
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any correspondence from this collection agency. I have never heard of them and would it to be removed 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 2023-01-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
order from XXXX used paypal XXXX said they would issue refund but didnt reached out to paypal who i used to store and send the money to XXXX  only for them to close my dispute saying i never sent supporting info the email address i used to sign was XXXX this is just crazy Info provided by the seller XXXX XX/XX/2022 at XXXX XXXX Tracking info provided by XXXX XXXX Shipped by Other Case ID : XXXX Disputed amount : {$530.00} USD Seller info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date reported : XXXX XX/XX/2022 XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
I write in response to Wells Fargo 's reply to my complaint regarding my Wells Fargo application XXXX and CFPB Case No. XXXX. I consider the company 's response to my query very flimsy and good for nothing because they tried to cover up an unfair business practice of not catering to the needs of their valued and poor customers who entrust the safe keeping of their their meager financial resources in their care.
For instance, Wells Fargo 's response states : " When this application was processed no information was obtained from an outside source other than your credit history from XXXX. '' Nonetheless the company failed to inform the CFPB that over the years I improved my credit score and have the following scores with the three major credit bureaux in the country : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). That said, the company should have at least given me a chance with a credit line to show good faith in a valued customer but Wells Fargo as usual discouraged me and was unfair in its judgment.
Furthermore, I want to bring to your attention the flimsy excuse from Wells Fargo in the last paragraph of page one of its response to my previous complaint that reads : " Also, we are unable to speak for other financial institutions regarding their underwriting criteria ''.
The statement above speaks to the fact that Wells Fargo, unlike other financial institutions in the United States that are customer-centered, it lacks the capacity to give its striving customers a chance to improve their livelihood but is only an exploitative profiteering financial institution that sucks the blood of poor people to enrich themselves at the expense of their customers.
I assertively say this because other financial institutions ( like the XXXX XXXX XXXX XXXX, for instance ) are making genuine efforts and headways to create an enabling financial environment to improve the livelihood of their valued customers. Whereas, unfortunately, Wells Fargo is only interested in suppressing its customers. The fact that I have a personal and a business account and my wife has a personal account with Wells Fargo shows the level of commitment we have to this institution. Hence, to verify that they could not give us a single break of a {$5000.00} loan warrants the imposition of stringent financial fines on Wells Fargo for unfair business practices.
In view of the foregoing, I request that Wells Fargo be thoroughly investigated and fined for unfair business practice.
Sincerely, XXXX XXXX XXXX, Sr., Ed. D.
Unsatisfied Wells Fargo Customer

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 2022-08-24
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:
Company is breaking federal law 15Usc1681e ( b ) assured that I'm due and promised an accurate credit report. They are reporting inaccurate, fraudulent information and intentionally being negligent in the remedy of my affairs. I have sent in all required documents requested by the company on XX/XX/2022 and they have failed to respond to my correspondence within the 30 day timeframe.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report it's not mine under 1681i, delete this within 15 days. 

XXXX account # XXXX bal : {$2500.00}

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 2022-08-03
Company: HireRight Solutions, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX position was marked with a discrepancy found in XXXX XXXX. I am currently employed with XXXX working as a XXXX XXXX XXXX  XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX refers to all employees as XXXX XXXX. The terms are used interchangeably. HireRight verified I am currently employed with the company but downplayed my job title. Job duties of my current position includes XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My offer letter received from XXXX states I am working with XXXX with shows that I am a XXXX XXXX There should not be a discrepancy on my report as I reported ACCURATE information. IF this cause me to lose my current job offer, I will be filing a Lawsuit against HireRight. Also I submitted a check stub to HireRight to verify some information and HireRight has not responded and updated my reported. They have marked the error as CLOSED without reviewing the Check Stub PROOF I submitted. HireRight is creating FALSE DISCREPANCY on my background check which may cause me to lose my current job offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account! The previous company, XXXX XXXX advised me that they were not able to verify the debt. Instead of it ending there, they sold this fraudulent account to someone else who NEVER contacted me. This is a fraudulent account and it was placed on my credit report under deceptive means! Remove it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, INC.
State: LA
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 filing this dispute against XXXX due to the incorrect information that is being reported by XXXX and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and Equifax and I have received dispute results stating that XXXX  verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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 have been trying for 3 months now to obtain my credit file, and credit report, and have been unable to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, 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:
On XXXX XXXX, 2017, I disputed a collection account ( XXXX XXXX  ) with Equifax to no avail. Despite the fact that Equifax received information that the debt was disputed and XXXX XXXX  failed to validate the debt in accordance with 15 U.S. Code 1692g, Equifax failed to delete the account off of my credit report. In fact, Equifax failed to even acknowledge my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/18 XXXX/XXXX  XXXX reported late payments onto my credit file in era. On XX/XX/18 XXXX/XXXX  XXXX send in a request to Equifax reporting agency to remove the late payments from my credit file. " Please see the inclosed complaint response from your organization, which has responded to and closed '' After XXXX/XXXX XXXX sent in an updated request to the credit reporting agency " Equifax '' to delete any and all late payments from my credit file by XXXX/XXXX XXXX, They did just the opposite and kept it on there. Equifax intentionally refused to delete inaccurate information from my credit file. By law, it is the responsibility to report accurate information on the credit file by Equifax credit reporting agency. My request is that Equifax do their job properly, and report accurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filing this dispute against FedLoan due to the incorrect information that is being reported by Transunion and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These XXXX XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with Transunion and Equifax and I have received dispute results stating that XXXX verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and TRANSUNION to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since 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 2018-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
BANK OF AMERICA N, A. Today how true it's become, there's nothing in the Laws of Protecting the consumers with home mortgages during only the choices of the lenders and the servicer decision and times of transfer. There seems only question How BANK of AMERICA can walk away after 15 yrs of paying them on time, monthly in full, and year to date. I have been set up to be forced into a unnecessary fore closer of BANK of AMERICA choice of timing to sell my loan, Since this has become to be a dog eat dog situation now without understanding how this is all possible with ( NOT ) having My original loan documents in hand to understand, If the truth of increases of payment are TRUE, Today,? I smell a big FAT HUNGRY RAT here.? With the viewing of there last statement at the end of XX/XX/2018 there statement reads my Interest only loan is over XX/XX/XXXX and also within my terms of my loan, ( IV'E STILL BEEN DECLINED ) in asking for a copy? Also in the terms of My loan the interest rate stayed the same for a period of a year So let 's add 1.25 % to My XXXX interest rate and make it 5.25 % also effective XX/XX/XXXX..that might also increase the payment, ( YOU THINK ) it doesn't take rocket scientist to explain with paying interest only for the past yrs and adding a higher interest rate with Of coarse Principle also on XX/XX/XXXX your NEW grand total DUE AS your Monthly payment went from affordable yes maybe if i was working at this time, TO GOOD LUCK BETTER FIND A JOB LOSER YOUR payment are NOT GOING TO BE AFFORDABLE NOW AT XXXX.. So loser thats paid B OF A as on time, monthly for 15 yrs, calls to say I need help B of A? Send the forms, print them from On line as available, Sure the next day I do .Wait for answer, nothing in there, system, send again,, THE LETTER CAME, there walking papers of saying your loan has been sold, transfered, as of the most exciting day of XX/XX/XXXX,? ( loser ) is right NOW WITH DOG EAT DOG, Iv'e been thrown out to Have the XXXX Basically finish me off with biting my head off as been forced to pay the {$3700.00} new payment as late with running to understand how this has? yes TRUE sending me a late payment AND saying know they haven't received a payment for XXXX thats cleared as my bank tells me today has,????? new letter today says i owe them for two months here WE GO {$7600.00} IN TWO DAYS THATS WITH LATE FEES INCLUDED THANK XXXX,? SURE NO PROBLEM, is THIS REALLY THE WAY THE BANKING WORLD HELPS TODAY, YES ALL TRUE, Thank you XXXX XXXX ( LOSER ) watcha going to do now, THERES NO LAWS TO PROTECT YOU? Intention of B of A UNNECESSARY RELATION OF UNNECESSARY FORE CLOSER TO PROFIT OF MY CONTACTING FOR HELP TO BAIL OUT AND WALK?

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 2022-10-24
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2022-08-24
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I fell behind on payments for my XXXX XXXX credit card. Once I had the money to pay, I sent a payment in full for the credit card. The check was returned with the letter attached. It is still being reported on my credit report as delinquent.

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 2022-10-24
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV FUNDING LLC HAS BOUGHT A DEBT THAT HAS BEEN PAID FROM XXXX XXXX AND NOW HAS SOLD THE DEBT TO ANOTHER COLLECTIONS AGENCY! XXXX XXXX, LVNV FUNDING LLC AND XXXX XXXX XXXX HAS BEEN CALLING, SENDING LETTERS, and reporting to agencys on my cresit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/2017 was told that BSI is serving my account but they can not find it?
How do I PAY?
Loan Modification Info. requested??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: NJ
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:
The most recent card opened in 2017, I don't recognize and I don't/never had an account with. 

Most Recent Account XXXX XXXX ( Opened XX/XX/2017 ) It also says I have {$18000.00} in revolving debt that I do not know about. I have my credit cards that I know and I have a small balance on one ( > {$2000.00} ). 

So I am confused ... either that is a mistake or someone took a credit card out with my information.

Company response to consumer: Closed with explanation