BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear CFPB. I am writing to file a complaint against Experian. I reached out to Experian on XX/XX/23 and did not receive a response after 30 days. I reached out a gain on XX/XX/23, demanding a response and again did not receive an answer. I am attaching copies of both letters and copies of tracking showing delivery receipt. 

Experian is reporting several accounts on my credit report that I have disputed as inaccurate. Under the Fair Credit Reporting Act, a XXXX XXXX XXXX has to review and respond to every dispute it receives within 30 days. If the review isn't complete, the agency is obligated to remove the disputed record. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

This letter is formal notice that Experian has failed to respond to my dispute letter within 30 days. They have also failed to respond to my XX/XX/23 letter as well. I have enclosed a copy of both letters sent on XX/XX/23 and XX/XX/23 withXXXX XXXXracking showing a delivery receipt to Experian. I am maintaining detailed records of all my correspondence with them. 

Section 609 of the Fair Credit Reporting Act ( FCRA ) states that Experian must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so, I am demanding that they remove the below six items from my credit report with Experian bearing my social security number. The six accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, on XX/XX/2019 I have made a complaint toward my account with Ann Taylor credit card ending XXXX. Ann Taylor credit card was issued by Comenity bank. They disagreed with me, sent me a letter stating my account has been closed on XX/XX/2019 and has reported to credit bureau to damage my credit rating. Until today, Ann Taylor still send me statement on my late charge adding another late charge on top of it. I would like to know is it legal to charge late charge on late charge? the principle amount has been paid plus one late charge. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a police report and an FTC report. I have submitted this paperwork and disputes to the credit agencies and is not getting processed correctly. I also am not getting copies of the verification process according to the FCRA>

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 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXXXXXX

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 2018-08-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This letter is being emailed and sent to : The Offices of XXXX XXXX XXXX XXXX XXXX Mr. Cooper/Nationstar Mortgage and copied to : The Office of XXXX XXXX - Texas Attorney General The Office of XXXX XXXX XXXX County District Attorney The Office of XXXX XXXX Finance Commission of Texas The Office of XXXX XXXX Texas Department of Banking The Office of XXXX XXXX Consumer Financial Protection Bureau This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because Mr. Cooper/Nationstar Mortgage has not acted in Good Faith as it pertains to my mortgage and what has transpired since Hurricane Harvey and the forbearance that was offered to us as a result of the storm. 

After Hurricane Harvey, Nationstar reached out to us and offered a forbearance for our XX/XX/XXXX XX/XX/XXXX payments. And, that the 4 payments would be put at the back of my current loan. We were told that we didnt have to fill out any paperwork and we would begin making our regular monthly payments again in XX/XX/XXXX. When I reached out to my loan specialist XXXX XXXX in early XX/XX/XXXX, I could not reach her. I was directed to the general customer service department. I was informed that ; 1 ) many clients were in a similar situation as I, 2 ) Mr. Cooper was behind in processing paperwork, and 3 ) I would receive my paperwork no later XX/XX/XXXX. From that point for the next several months, I received a different response ( every time I called ) as to the status of my loan and the forbearance. I was informed on several occasions, however, by multiple customer service representatives ( and supervisors ) that my account was still under review and to not make a payment ( I have recorded conversations to verify this ). 

After contacting Mr. Cooper for the 20th time in XX/XX/XXXX to resolve my delinquency, I was informed by a customer service manager that we didnt qualify for the forbearance ( because we were behind on our payments ( which was inaccurate ), and that we needed to start making payments. We made our XX/XX/XXXX and XX/XX/XXXX payments and when we attempted to make our XX/XX/XXXX payment, we were prevented from doing so. We were also told that our account was again under modification review, yet we could only make a payment if we could pay the past due balance in full. 
We were not offered a reasonable solution to cure our mortgage delinquency. 

We are simply seeking a resolution to this matter, in good faith, by Mr. Cooper/Nationstar Mortgage. We were originally offered a forbearance ( in XX/XX/2017 ), not a loan modification, and we are asking that our loan servicer and investor keep their commitment. Had we been offered a modification, we would ( and could ) not have accepted their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I reached out to Fairway Mortgage and I was told that they will not be extending my disaster forbearance plan. I will also be requiring to repay the XXXX  months of prior forbearance within XXXX  months, i do not have that type of funds to repay them back. 

My case is approved for a forbearance feature based on XXXX XXXX lending guidelines. I feel like Fairway Servicing isn't properly doing their job and creating a hassle to not grant me forbearance access. My property is damaged due to the natural disaster and i am working with local jurisdiction to granting permit approval to get work done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Coinbase, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So on XX/XX/XXXX and the XX/XX/XXXX I noticed some transactions I was disputing due to some ongoing issues at home with someone Im helping out. I filed the dispute promptly and not long after my account was restricted and I wasnt able to do anything. And then I come to find out that they wont release my account because somebody opened an account in my name. And they say I owe the money. Im not even sure this account was open but I just filed identity theft affidavit, a year and a half ago due to ongoing issues. I explained that to them before and they wont unrestrict my account until that account deleted. But I have no way of doing so. I disputed funds and I want this other account taken care of please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
The auto loan in question is through XXXX XXXX XXXX. The vehicle was repossessed in XXXX of XXXX. It was then sold at auction in XXXX of XXXX. After repossession XXXX continued to report late payments to the account. I was never notified that the vehicle was sold at auction. I only found out through my credit report when late payments stopped hitting the account in XXXX. XXXX sold the vehicle for more than the loan amount as well. Additionally, the vehicle was charged off during the pandemic when I was already approved and on the pandemic forbearance plan that paused payments. XXXX still repossessed the vehicle and is now a YEAR AND A HALF LATER reporting it as a repossession with a balance still due. I have sent letters to the credit bureaus as well as XXXX asking for the removal of the account because of all of the inaccuracies. I have never received a response from XXXX and the credit bureaus will send a letter or email asking for additional time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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 XX/XX/2021 I filed a dispute with Equifax regarding a XXXX XXXX Home Mortgage account listed on my report. I received a report from equifax ( confirmation # XXXX ) stating the account was verified. I sent a follow up letter on XX/XX/2021 asking for a re-investigation. I received no answer. On XX/XX/2021 I se t a factual dispute regarding this account as it was still reporting on my credit report. As of today XX/XX/2021 I still have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Inquired oXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX Inquired on XX/XX/XXXX LEASE END Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting to XXXX, XXXX, and Transunion in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of XXXX  is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of transunion is {$1300.00}. The High balance of XXXX is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this account.

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 2023-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Social security number is XXXX On XXXX theirs two negative items the negative items are credit collection and the other negative item is 60 day late both items are fraud they supposed to be removed from my XXXX credit report I filed a federal trade commission identity theft report on and on equifax theirs only one negative item s that's 60 days late it supposed to be removed from my equifax Credit report and XXXX XXXX theirs three negative items that are charged off they are fraud please have XXXX XXXX also removed all the fraud credit hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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:
Ally is still showing on my credit report XXXX later stating my first delinquent was XXXX XXXX but that should be in XXXX this acct should have need removed last year but still showing and showing negative on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
It has only been one month since interest accruement restarted. I owe a Current Principal of {$48000.00}. They say the Accrued Interest as of XX/XX/23 is {$460.00}. However, my interest rate is 6.800 % and one month of interest should be around {$270.00} not {$460.00}. Please look into this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been unable to access my online account for my Barclay 's Uber Rewards Card since midXXXX. i can not make payments or view an up-to-date balance. I have been told that others are having my issue and that I just need to wait since the beginning of XXXX. My understanding is that Barclays forwarded a report on XX/XX/XXXX designating me as a late payment after being told that 1 ) any late fee or interest would be waived by multiple parties ; 2 ) that I would be able to access my account in order to make sure I was paying for what I should be paying for. 

The company called me at work today before putting me on hold about a late payment. Nothing has allowed me to get online and pay my account, and I am told that late fees ( that they waived ) have been reported to XXXX. I have been told that it is automatically reported and that there is no one to speak to about correcting the result of an error on their end. Additionally, I am told that there are no supervisors to speak with after the person on the call speaks to a supervisor and that they are unable to do anything for me about my online access other than just wait. I am told that I can make payments over the phone but have no way of making sure my information is current and correct before making a payment, something which is impossible based on conflicting and confusing information given me over hours of speaking to various customer representatives.

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 2022-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 : Account # 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 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 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Every six months like clockwork Capital One uses a discriminatory " fraud detection '' algorithm to temporarily close my two accounts ( primary Capital One Venture card and Walmart Capital One card ). I have address this issue on at least 3 other occasions with the company and they still shut my account down 1-2 times a year. This never happened before XXXX as far as I can recall and I've had the Venture card at least 6 years and I've had the Walmart card for probably 4 years at this point. 

The process goes like this. I go to use my card at a random time and boom, the card is declined. This is infuriating and embarrassing, especially when you have a XXXX  balance. It makes you look like a delinquent payer and that's not what I am. So I get no notice before I use the card that it's been suspended. Then when I call Capital One, I'm only told ( by a foreign agent with a broken accent ) that there was a " fraud event '' and I have to re-verify myself. EVERY SIX MONTHS. The last time it happened I insisted they tell me, after I " verified '' my same driver 's license that I've had for 5 years+. Haven't changed my name, address, date of birth, nothing. They told me it was my email address. The same one I've had for 25 years, a XXXX address, owned by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, based in PA, a company open since XXXX with hundreds of thousands if not millions of users in both the web hosting and email spheres. Capital One is discriminating against me based on a legitimate email address which has no basis in reality. There systems should never put an undue burden on the customer to prove that they are still the same person with no CREDIBLE evidence of fraud. And to FORCE me to REVERIFY myself every 6 months when every other customer doesn't have to do the same thing is the very definition of discrimination.

Company response to consumer: Closed with explanation