BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am reaching out for clarity to how I ended up in a hardship financial situation after completing a XXXX bankruptcy term. I applied for XXXX XXXX bankruptcy on XX/XX/XXXX with XXXXXXXX XXXX XXXX in which all debts listed in this transaction would be cleared at the completion of the term. After the end of this 5-year period I was told on three different occasions that I stilled owed approximately {$20000.00} to my mortgage company. The first statement was for {$19000.00}, the second was for {$15000.00}, and the final document stated that I owed {$17000.00}, of which I notified XXXX XXXX XXXX, my bankruptcy attorney. At this point, I am not sure what is due because the terms of my bankruptcy agreement should have had all balances paid in full upon completion. What appears to be the problem is the discrepancy between XXXX XXXX XXXX and XXXXXXXX XXXX. Somewhere during the 5-year span, payments were not correctly sent to my mortgage company. I am unclear how I owe taxes and homeowner 's insurance, since they both were included in the original agreement of my mortgage loan payment. I am seriously trying to understand how I came out owing more to my mortgage company, at the end of this bankruptcy agreement than I did going into the agreement. I do not wish to lose my home of 35 years to a technicality in which payments were not allocated properly. I made the payments instructed for me to pay and now my home is facing foreclosure. I have been told that I need to vacate the premises 20 days from XX/XX/XXXX, which would fall on XX/XX/XXXX. I need your assistance in this matter, as the window for me being asked to leave my home is rapidly closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Credit Karma, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma is doing shady practices. I applied for two cards and was denied for both. What concerns me is that with the first one it said " excellent chance to be approved '' and with the second one, I was " guaranteed '' to get {$50.00} if not approved. In reality, they said it would take a month to see if I wasn't approved ( after it took thirty seconds to get denied online ), and then they said they would send a pre-paid card. That's not {$50.00}. I looked into information online and see they are in trouble for deceiving people in this manner. They were told to stop and obviously don't plan to. Now they have taken my credit score down and it seems like nothing but scams with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-29
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:
EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised the account with XXXX is FRAUD. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide documentation used to determine XXXX  account was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used and signed application with consumer WET INK SIGNATURE. Consumer is not asking for an E-Oscar report. If EXPERIAN does not have documentation to show these were in fact authorized, it must be removed asap. Said company is liable under the SEC to follow certain rules. EXPERIAN 'S Commission file number is notated and I will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their Consumer File NOT Consumer 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 2023-09-08
Company: EQUIFAX, INC.
State: TX
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 can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account a few months ago with Synchrony bank. I added an account at another bank for transfers and on XX/XX/XXXX attempted to transfer $ XXXX from XXXX XXXX XXXX  to Synchrony. Account was frozen and has been under review. Called on XXXX and XX/XX/12. They tell me my $ XXXX is unavailable to me, that they dont know when it will be reviewed and dont know when I can expect communication back. No communication has been available and even when I escalated the call, they said it could be any amount of time. This is unacceptable. I did everything right and am getting no answers and all my money is tied up indefinitely.

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 2023-05-20
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the branch 3 separate occasions, no manager was there, I made an appointment just to see why my savings account was frozen. I made an appointment, when I got there manager was on lunch. I waited she explained that my account was frozen because my son social security checks had been deposited, but his name wasnt on my account. She asked me to scan documents and email them to her, I havent heard a email, call or anything

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 2023-07-17
Company: EQUIFAX, INC.
State: MD
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:
I sent XXXX Credit Bureau letters to dispute XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to XXXX and they refuse to remove it from my profile. I have spoken to agents from XXXX where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-06-12
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is demanding {$200.00} for my policy balance after canceling them. They used the date of XX/XX/23 as the date of cancelation and the date from which they calculated my policy balance. 
However, I notified them of my cancelation prior to that and have proof that my new policy began on XX/XX/23. I have sent them proof of this twice and have yet to receive an adjusted balance amount. I have continually asked XXXX to recalculate my balance based on the actual date of cancellation, XX/XX/23. 
I am more than happy to pay the proper balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Square Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I deposited {$70.00} into my CashApp account from my XXXX  XXXX XXXX account on XX/XX/XXXX at XXXX. I no longer needed the balance so I transferred the total balance back to my XXXX  XXXX XXXX account on XX/XX/XXXX XXXX {$76.00}. I have contacted cashapp and they sent me on XX/XX/XXXX {$1.00} since the transaction wasnt instant. However the problem is and remains to be I have not received my {$76.00}. The customer service representative emailed back on XX/XX/XXXX with an incorrect deposit amount and transaction ID saying to contact XXXX  XXXX XXXX. Im tired of going back and forth. I have yet to receive my deposit of {$76.00} to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were XXXX or XXXX different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX Bank. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Nissan Motor Finances claim I am 17 weeks late on my XXXX payments & is trying to charge me an extra $ XXXX {$320.00} in overdraft fees. They also claim one of my payments of {$290.00} did not go through but I have a bank statement showing the money was taken out my account from XXXX XXXX XXXX. I only had {$100.00} left to pay before the month of XXXX was over. I have evidence showing I schedule a payment for that amount before the month of XXXX ended, however, my account was blocked & my payment for {$100.00} was declined. I nor my grandmother was called & notified that the payment was declined instead they waited till XXXX ended to call & tell my grandmother that there was no payment made & now there are overdraft fees & extra payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Never one letter from unifund XXXX XXXX nor have I ever had a card XXXX XXXX. Identity was stolen in 2015. I never pursued it. It was of XXXX and XXXX. I was notified by XXXX by email and phone call. And I never new I had 3 cards in my name. Until they showed up on my credit report. I dispute them on XXXX and get denied because of my name in my social. So now Im being sued by XXXX XXXX  and all they have to show who I am on. The credit report is the last four digits of the credit card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello CFPB, I am writing a complaint against XXXX, XXXX XXXX and Equifax. I've sent them multiple complaints stating they are reporting inaccurate information across all 3 credit bureaus. They keep sending me stall letters stating that someone else is sending my disputes or they send me Verified letters. I have proof that they are not doing their due diligence to correct or remove items on my report. They are still violating the FCRA laws. I have letters from them stating they Verified the accounts but I still see inaccurate dates, balance and status on my reports. Please investigate this for me thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called the Capital One company stating that i was unable to log into my portal due to phone number change. they told me they were unable to do over the phone and could not help me. Stated they would send something in the mail and have not done so. I would like for all delinquency to be removed from my credit report. I stated to them that my phone number had changed and they would not verify. I also uploaded a photo of my id in XX/XX/XXXX  via the email from Capital One. 
I also had stated that my payment had been late before due to XXXX XXXX and bed rest.

Company response to consumer: Closed with explanation