BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ( Original Creditor : ) XXXX Balance : {$48.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KY
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 mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: LEXISNEXIS
State: NC
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:
Personal Information on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our Mortgage with XXXX XXXX in XX/XX/XXXX. We were notified that PHH Mortgage, a subsidiary of XXXX XXXX, would be our mortgage servicer. We made our first payment in full for both XXXX ( first payment due after closing ) and XXXX. We then received a notice that our mortgage would be serviced by XXXX XXXX XXXX beginning in XXXX. That letter ( See attached ) stated that our Mortgage balance was {$470000.00} and our escrow balance was {$1700.00}. We then created our account with XXXX XXXX XXXX and made our first payment. A few days later we noticed that the escrow amount with XXXX XXXX XXXX was only {$950.00}. We called XXXX on XX/XX/XXXX to ask where the rest of the escrow went. They told us that PHH only transferred {$950.00} to them when they transferred the loan. We then called PHH to find out where the missing {$580.00} had gone. They informed us that they made a PMI payment in that amount on XX/XX/XXXX. We told them that should not have come out because they took out PMI from our XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) already. Further, they did not issue any statement indicating where our money had gone. We have since received a typed letter simply stating that they made two pmi payments to XXXX XXXX XXXX XXXX in XXXX. ( see attached ) We called our current servicer, XXXX XXXX XXXX to tell them what PHH told us, and they said that as of XX/XX/XXXX the PMI company showed that our account was only paid through the month of XXXX. This means that {$390.00} ( 2 months of PMI payment is missing ). Our new servicer, XXXX, also took out our regular $ XXXX payment from our XXXX mortgage payment. 

From our calculations the mortgage and pmi paid so far should be as follows : XXXX PMI {$190.00} paid to insurance company on XXXX XXXX covers arrears for XXXX XXXX PMI {$190.00} paid to insurance company on XX/XX/XXXX, XXXX covers arrears for XXXX XXXX PMI {$580.00} paid to insurance company ( according to PHH ) XX/XX/XXXX, XXXX This amount should cover XXXX XXXX arrears ), pre-pay XXXX, pre-pay XXXX. 
XXXX PMI {$190.00} paid to insurance company XX/XX/XXXX ( by XXXX XXXX XXXX ) - Should cover XXXX pre-pay if the company received the lump payment from PHH If the PMI was truly paid to the company we should not have PMI come out of our escrow again until XXXX ( to pay for XXXX in arrears ) Attached : Closing escrow statement which shows one month of PMI coming out each month this year ( no where did it say they would make a lump payment at any time ) XXXX and XXXX statements from PHH showing our mortgage payment and the one PMI payment from XXXX The typed letter stating they sent two PMI payments in XXXX The letter of change of servicer we received stating that the escrow that should have been transferred was {$1700.00}

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 2017-09-08
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:
Equifax was hacked. According to their page for checking, my data " may '' have been impacted, along with 143 million other Americans. This is ABSOLUTELY unacceptable for any company holding onto this sensitive of data, for this many consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : INACCURATE NAME : XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX 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 2022-02-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make these fraudulent charges. Please review these charges an remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Santander Consumer USA Holdings Inc.
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Got a call from Santander consumer us my truck loan holder. The informed me my loan was in default and a nation wide search was place on my vehicle for repossession. Told me I missed 6 payments and bounce one of the checks. Told me if I payed XXXX in ten days it they might be able to resolve it but the loan was charged off XX/XX/2021. I never got any notifications from them. No email or calls not even a letter. I went straight to bank and got all my bank records. I have all bank statements. I have never mist a payment on this loan In the XXXX XXXX yrs Ive had it. They said I bounce a check in XX/XX/2021 my statement not only shows it was paid but also had over XXXX in the account that month. Im in fear they will reposses my truck for a big mistake that they have made and I need help. Also my credit report reflex this mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX I started a loan with XXXX. They insisted that the first loan payment needed to be drawn directly from my bank account, but said I could change the payment option to a credit/debit card after. 

After taking the first payment of the XXXX loan, I tried to change the payment method, but they refused to accept any other method of payment. At the time I had other banks and credit cards I could have used for loan payments to XXXX. 

They continued to charge and ultimately overdraw the account, the bank account is now closed. 

The XXXX charged off and closed, and is now in collections from LVNV Funding. 

https : //www.lvnvfunding.com I'm aware of an XXXX settlement lawsuit from the FTC, and I've tried to contact LVNV about the settlement, but they refuse to stop collections activity. 

XXXX has removed their records off of my credit report, LVNV is still listed and active. 

I have paid about {$4000.00} to this loan before it was charged off, I am unable to get detailed records because XXXX has removed their information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a complaint via CFPB in regards to TSI ( Transworld Systems Inc. ) furnishing information on my credit report. I researched and it appears the original creditor is XXXX, XXXX  XXXX XXXX. Now, TSI responded and said they received information to VALIDATE my alleged debt, to which they send yet another bill with itemized numbers and information that does not solve the solution. Question, how did you VERFIY ( not validate ) this alleged debt? Because according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that an debt is disputed, the debt collector is SUPPOSED to obtain VERFICATION, not validation of the said debt. YOU ( TSI ) responded with " validation information ''. This alone, is a violation. 

Secondly, how did you get the address that is listed? It seems to me you have infringed upon someone's privacy ( identity theft ), aka personal data to retrieve such information. Hopefully, YOU ( TSI ) didn't send " validation information '' to a household that is unknown to any party, because that surely increases the chances of identity theft and that would be in violation of 15 usc 1692 ( f ) ( 7 ) ( 8 ). The address that is stated on the " validation information '' pdf belongs to someone who lives in a house ( XXXX search ). See how easy that was to send unwanted strangers to a particular place. I have NEVER OWNED a house in my life. 

On XX/XX/2021, TSI removed this account off of my credit report, then chose to furnish it once again, that reported on XX/XX/2021, causing a derogatory mark to hit my report and also a decrease in points on my credit score. YOUR ( TSI ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I'm formally a PayPal account user who's account was permanently limited back in XXXX of 2022. I received an email in XXXX of 2022 informing me my funds are now eligible for withdrawal, however upon trying to add my current bank account to PayPal, I am denied with the following error message. 

" This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' I attached a screenshot for reference. I have tried alternatives and I have tried contacted PayPal support through the " contact us '' page on paypal.com regarding this matter with no resolution. I am now contacting this outlet directly for assistance regarding this issue, urgent attention is requested. Thank you in advance for your time and professional service with handling this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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 leaked my information in a data breach. My personal information is now public and compromised. I am now at risk for fraud and identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
n accordance with the Fair Credit Reporting act XXXX  Accounts #, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXXS XXXX, XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX has not legally validated a debt to Experian or me, however after I sent a certified letter to Experian disputing the misinformation, Experian continues to keep XXXX XXXX  as a negative reporting on my credit report and Experian placed further negative reporting on my report dated XX/XX/XXXX when the account closed in XX/XX/XXXX. I have provided copies to Experian such as : 1. Master Promissory note that was not signed by me 2. A letter from the loan servicer stating that the date they began servicing the loan does not coincide with the date on the Master Promissory 3. A student aid ward letter that states the loan that XXXX is reporting was not granted to me

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 2022-02-12
Company: Farrell Holdings, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company was requested to inform balance to fully pay off the loan. Not responded properly the last complaint. 

Company did not present terms related to insurance additional charges. 

Company refuses to stop charging insurance : proof of insurance already sent. Because the balance is close to full payoff, company came up with insurance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
Data breach on XXXX XXXX 2017.
Their website indicates that I may have been impacted. 

Any negative effects on my credit report due to this must be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: AMERICAN EXPRESS COMPANY
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 had discovered from my credit report an unknown account from American Express. 
The account number starts with XXXXwhich is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am applying for a personal loan at Wells Fargo bank in XXXX, Florida the lady told me that my monthly payment will increase by {$10.00} additional dollars because WE DON'T HAVE INCOME TAX IN FLORIDA. 
Who desired that, when, this should be ilegal why a bank its capitalizing on the fact that we Floridian residents don't pay income tax, is this a PUNISHMENT? 

I am going to go the bottom of this anomaly Banks or politicians CAN NOT PLAY with our need for a loan I am negatively surprised with this aberration a bank or politicians can take advantage or our needs Please solve this or I will escalated to the highest authority, we can not convert our state as a sanctuary for whomever wants to get an easy and fast money on our already dilapidated economy Thanks XXXX 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 explanation
Consumer complaint received 2017-09-08
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 had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XXXX 2017 and I was not notified personally that my information was at risk. Instead I had to find out in reports in XXXX 2017 that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Insight Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Insight Management, acting on behalf of XXXX XXXX  XXXX  for my XXXX  Visa account contacted me today. I spoke to a man who stated what the debt was for. I explained that when contacted in XX/XX/2021, I requested a letter in writing, outlining the amount owed and what my payment/settlement amount options were. I never received the letter. 

Today, this man stated he was with this company 's legal department pursing this matter and offered me a settlement amount. Again, I requested a letter in writing for the amount owed and settlement offer. I explained my hours were reduced due to COVID, and I did not have access to a printer. I stated I wanted to read over the letter, and he became angry and told me, " No, you need to read it now and set up this payment or else. '' When I said I do not give my banking information or payment info until I can read over something, he again got upset and started talking over me aggressively and loudly. I stated I was at work, and I can not do personal business on company time. I stated that under the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. After I told him this, he stated he would not stop the file from going to legal counsel and hung up.

Company response to consumer: Closed with explanation