BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 non-monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: TN
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 am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

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 2019-04-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Thank you for your time. I used the Barclycard Arrival + card for payments at a hotel stay. This is travel card that advertises that travel-related expenses, specifically hotels, can be paid with points. When I tried to pay the card balance with points, the card company would not allow points. They said that this is not considered a travel expense because the merchant did not classify the charge as a travel expense. So even though it was clearly and admittedly at a hotel, they did not honor their promise to allow for points payments for hotel charges. They advertised one thing and got me to sign up, and in the small print they did something different. Deceptive.

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 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I believe Mohela is incompetent in their handling of student loans. I applied for the SAVE plan for my direct loans. I was approved and had been on SAVE, but I randomly logged into my Mohela account, and they switched me to Level - the highest, most expensive repayment plan. Multiple people have been having this issue and it is impossible to reach customer service rep. I have been on the phone for over 2 hours and unable to talk to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have fallen past due on my mortgage on XXXX of XXXX after getting sick from XXXX XXXX which caused me to be out of work and loose income during this time. Soon after I reached out to Shellpoint and requested a forbearance program. Recently I tried to request for mortgage assistance under the XXXX XXXX programs. On my last conversation with Shellpoint on XX/XX/XXXX they advised me I was declined for modification because a failed XXXX  stating my home has equity and that is the reason they could not help me. My understanding is with the increase in home values most all homes have equity, and this would mean they are not helping any homeowners if it doesn't benefit the lender. Also, on XX/XX/XXXX Shellpoint advised me my home loan is no longer a XXXX XXXX loan and that my loan was sold off to a new investor on XX/XX/XXXX and with the new investor they do not have a Partial claim program placing the amount I'm past due due to the XXXX forbearance towards the end. I believe there is predatory lending happening because before the loan was transferred to a new investor, they knew I was past due and also knew there was equity in the home. I feel this new investor is purposely trying to foreclose on my home. The only offer they gave me was for me to pay {$5600.00} down payment and produce payments of {$1400.00} per month which I told them I could not afford. The denial I attached shows the XXXX  results to be incorrect and per my research other homes have been saved showing the same XXXX  results. As well on the Denial letter dated XX/XX/XXXX shows my loan to still belong to XXXX XXXX but I was told otherwise on XX/XX/XXXX by Shellpoint. Shellpoint initiated foreclosure on XX/XX/XXXX while I was in review for assistance as per CFPB guidelines I feel Shellpoint is violation of Dual Tracking laws of foreclosure as well as Failure to perform and Negligence. Shellpoint and its investor knew I was past due on my mortgage before it was transferred to the new investor and are not willing to offer me a loan modification to save my home. On number XXXX on the XXXX  it shows the investor is Shellpoint but on page XXXX of the Denial Letter it shows XXXX  XXXX XXXX XXXX  XXXX Something is illegal here!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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.

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 2020-12-27
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: NCB Management Services Inc.
State: TX
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:
NCB knows this debt is fraudulent. They were told this multiple times. I was a victim of identity theft. My wallet and passport were stolen at the time. Not only do I not owe them a simgle dollar. I will also seek damages for all the derogatory remarks they'e been adding to my report in harrassment. I attached below a copy of my stolen passport report confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried numerous times to contact thid company and let them know there is a XXXX. and a XXXX. And they keep mixing up the two of us i dont know this company i have never signed any contract with rhem nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Professional Finance Company, Inc.
State: MS
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 no my rights by law XXXX is putting all types of things on my credit. I have been researching the law and requirements also. If I need to hire a company to fix my credit I will do so. I have 9 inquiries from XXXX that isnt legal. Things on my credit and derogatory remarks that shouldnt be on there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Fairway Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello on XX/XX/2020 Fairway collection debt collector, filed a writ of garnishment. Before the garnishment, my balance with them was around XXXX. My bank account was put on hold because of writ. Once I found out that they couldn't garnish my unemployment my only income. I filed a appeal the bank release my money. Now fairway wants me to pay for legal fees that makes a new balance of {$4500.00}. I feel that I shouldn't have to pay this amount for the mistake they made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX 
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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. 
Account name : XXXX  XXXX account # XXXX Account name : XXXX account # XXXX, Account name : XXXX account # XXXX Account name : XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 7:48 98 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 non-monetary relief
Consumer complaint received 2020-12-26
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I would like to submit a complaint regarding an irresponsible ( and possibly illegal ) process by which Chase Bank recently issued its Sapphire Preferred customers new " touch-less '' credit cards. 

In my case, and I have to assume in the case ( s ) of others, these new cards were mailed -- and, more importantly, activated -- prior to customers verifying that they had actually received them. A vendors attempted to charge my card using an incorrect expiration date and security code, neither of which I could have possibly updated ( or even known needed to be updated ) given that I did not yet possess the new card in hand. The denied charge resulted in a terminated subscription. 

Chase did notify customers that new cards were being issued via e-mail, but 1 ) without any explanation as to why ( the e-mail did not mention that they were being issued because of new technology ), and 2 ) without notifying customers that the cards would have new expiration dates and security codes. 

Denied charges can have serious -- and in some cases -- life-threatening consequences. In my case, the terminated subscription was minor and could be re-activated, but if this card had been linked to my health insurance provider, I could have been at risk for canceled coverage in the middle of a pandemic. If this card had been linked to my utility company, our heat could have been shut off during the middle of winter. If I had been using this card to pay loans, I could be liable for outstanding interest. 

I ask that the CFPB institute and/or enforce penalties for credit card companies which activate cards prior to customers having received them. I also ask that the CFPB hold credit card companies responsible for reimbursing customers for any penalties, fees, interest, or other fiduciary liabilities incurred on customers ' behalf as a result of terminated payment plans or rejected payment attempts. 

Respectfully, A citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this alleged deb is listed on my credit report. I have sent out a request by mail to have verification of this debt and called today XX/XX/19 and was told that they do not send out any communication regarding a debt and don't attempt to collect by contacting you. She said they just list it on your credit report and proceeded to ask how I would pay. I asked for verification to be sent to me about this alleged debt and advised I have sent my request via mail and she said thy do not send that information out. She only said that because it is on my credit report it is " pretty legitimate '' and how would I like to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: SC
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 XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief