BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Request for Assistance in Removing Inaccurate Information from Credit Reports Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your guidance and assistance in rectifying a persistent issue I have been facing with my credit reports. Despite multiple attempts to resolve the matter directly with the credit bureaus, I have been unable to achieve a satisfactory resolution. 

I have diligently contacted all three major credit bureaus XXXX, XXXX, and XXXX regarding inaccurate information contained in my credit reports. Unfortunately, they have not taken the necessary actions to correct or remove this information, which is negatively impacting my creditworthiness. I am concerned that these inaccuracies are severely restricting my ability to obtain loans, credit, or other financial opportunities. 

Which has also impacted me in a way that I have, unfortunately XXXX. I am also facing distress over all of these situations, due to circumstances that I have not done under my Social Security. 

I have provided all relevant documentation and dispute letters to the credit bureaus, outlining the specific errors and requesting their prompt investigation and removal of the inaccurate information. However, despite their obligations under the Fair Credit Reporting Act ( FCRA ), the credit bureaus have failed to act in a timely manner. 

Given the ongoing frustration and lack of progress in resolving this matter, I am now turning to your esteemed agency for assistance. I kindly request that you intervene on my behalf to ensure that the credit bureaus promptly address this issue and remove the inaccuracies from my credit reports. 

I trust that with your expertise and influence, we can reach a resolution in a timely manner and restore the accuracy of my credit reports. 

I sincerely appreciate any assistance you can provide in helping me rectify this matter. I believe your intervention will not only aid me personally but also contribute to maintaining the integrity and fairness of the credit reporting system. 

Thank you for your attention to this matter, and I look forward to your favorable response. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: UT
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 an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied to my my current mortgage services for a modification under their guidelines which I believe is the Hope program. They have been reviewing my file for almost one year and have not been able to render a decision. I speak to them almost weekly and have hundreds of mailed documents asking for information and I supply the requested documents only to get asked for more documents or more updated documents.

I feel that because I have not missed any payments yet that there is no reason for an investor to take my loan. As a result, I feel like I am being denied a loan modification.

The loan was originally a 7/23 interest only ARM. It was interest only for the first 7 years then it adjusted to a 23 year amortization loan which changed my payment from about {$2100.00} per month to now {$4800.00} per month. It gets worse every year because the number of years it is amortized goes down by one year so I am now at about a 19 year amortization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: LEXISNEXIS
State: TX
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 2019-06-15
Company: The J. G. Wentworth Company
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2019 I was pre-approved for a home loan with JG Wentworth. XX/XX/XXXX I contacted XXXX XXXX with JG Wentworth to inform him that an offer had been accepted in a home. I proceeded to provide him with all the necessary information. I paid {$550.00} for an appraisal and was told it would be credited back at closing. After I was told the file had been submitted to underwriting late XXXX, I received no follow up or return phone calls inquiring about my status. Finally I copied XXXX XXXX colleague, XXXX XXXX and received a response of " that loan was denied. ". I asked for more information and received no response or phone calls. I am working with a new lender and have requested a copy of my appraisal as promised a month ago. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: MI
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 am writing to express my extreme dissatisfaction and concern regarding the egregious mishandling of my identity theft case by XXXX, Experian, and XXXX. It has come to my attention that, despite being a victim of identity theft, each bureau have erroneously reported fraudulent addresses on my credit report, causing significant harm to my character and financial standing. 

This blatant oversight not only demonstrates a shocking lack of attention to detail but also suggests a complete disregard for the gravity of identity theft and its aftermath. The impact of these inaccuracies extends far beyond mere inconvenience ; it has tarnished my reputation and subjected me to undue financial and emotional distress. 

I expected, at the very least, a meticulous and responsible approach to rectifying the aftermath of identity theft. Instead, your bureau 's actions have exacerbated the damage, leaving me to question the competence and integrity of your organization. 

I demand an immediate and thorough investigation into this matter, along with the prompt correction of the inaccuracies on my credit report. Additionally, I insist on a detailed explanation of the steps your bureau will take to rectify the harm caused to my character and creditworthiness. 

Failure to address this matter promptly and adequately will leave me with no choice but to explore legal avenues and escalate this issue through relevant consumer protection channels. 

I trust that you will treat this matter with the urgency and seriousness it deserves. 

Sincerely,

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 2023-04-22
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This is a complaint against Wise, formerly known as TransferWise. 

I made a money transaction on WIse on XX/XX/ to purchase a designer handbag in the amount of USD XXXX ( {$8000.00} for the bag + XXXX Wise fees ). Transfer was completed on XX/XX/, the recipient received the money. On XX/XX/, I received the handbag. On XX/XX/, I received the authentication results that the bag is a knockoff, fake, counterfeit bag. I contacted the scammer ( aka the recipient of the money on Wise XXXX, there was no response ever since. 

On XX/XX/, I filed a police report through U.S. Federal Trade Commission. I also reported the scam to Wise on their website. 

On XXXX, I called my bank and reported the scam to them and they said they will investigate and do a reverse withdrawal if necessary. 

XX/XX/, my bank initiated the reverse withdrawal. 

XX/XX/, Wise responded to my scam report, straight denying that it was a scam, and they do not handle disputes among their customers. So no actions were taken by Wise in this scam. Also on XX/XX/, they demanded me to pay them back the money I got scam after my bank did the reverse withdrawal. 

I told them the scammer ( aka the recipient of the money ) is liable to pay Wise back the money, not me, the victim. After a few other communications with Wise, they sent me a final formal notice on XXXX, that I am liable to pay them back the money I got scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: DC
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 do not recognize these credit inquiries and I asked for them to be remove and the bureaus did not do as I asked. I'm providing an identity theft report and I'm requesting that they be removed because they are inaccurate and not mines.

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 2023-03-03
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A CHECKING ACCOUNT WAS OPENED AT FROST BANK AS A RESULT OF FRAUD ; IT WAS NOT I THAT OPENED THE ACCOUNT NOR AUTHORIZED IT. I FOUND OUT ABOUT THIS MATTER AFTER RECEIVING A LETTER IN THE MAIL FROM FROST BANK IN REGARDS TO ADDING OVERDRAFT PROTECTION TO THE FRAUD ACCOUNT. WHEN I CONTACTED FROST BANK, THEY DID NOT WANT TO PROVIDE ANY INFORMATION, BUT ADVISED THE ACCOUNT WOULD BE CLOSED, AND THEY WOULD PASS ALONG MY COMPLAINT TO THEIR FRAUD DEPARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Paypal Holdings, Inc
State: MP
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Madam, I am writing to submit a formal complaint against PayPal for suspending my account without any clear reason or explanation. My name is XXXX XXXX, and I have been a loyal user of PayPal for several years. I have always followed the terms and conditions of the platform and have never violated any of its policies. 

However, I received a notification that my account had been suspended. I was not given any explanation as to why my account was suspended, and I have not been able to access my funds or use my account since then. I have attempted to contact PayPal multiple times to resolve this issue, but I have not received any clear response or explanation. 

As a result of this suspension, I have been unable to make any transactions or access my funds, which has caused significant inconvenience and financial hardship. I have also lost trust in PayPal as a secure and reliable platform for conducting financial transactions. 

I am seeking your assistance in resolving this issue as soon as possible. I request that PayPal provides a clear explanation for the suspension of my account and restores my access to my funds. I also request that PayPal takes steps to prevent similar issues from occurring in the future and provides better customer support services to its users. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-09-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We had 2 payments delayed never used them as we get paid every 2 weeks split the payments and over paid on the loan from the beginning and they charged us XXXX $ in late fees that do not apply sent the account to repo even though we owed less than the amount at the end of the loan the customer service people lost the POA that I sent so that my wife could handle the finances the loan was for XXXX $ including finance charges they were paid in total XXXX $ at the end of XX/XX/XXXX but then they charged us XXXX $ including 2 payments and late fees this Bank is cheating and while speaking with a rep she admitted that their system has problems. on numerous checks that I wrote to them I made notes because of their attempts at what I believe to be fraudulent activity as we should not have been charged late fees adding up to 52 months they are basically saying every payment was late and that is a false statement as they were paid from XX/XX/XXXX to XX/XX/XXXX XXXX $ each month in 1 payment after that they were paid XXXX $ EVERY 2 WEEKS as of XX/XX/XXXX the payments were totally current so then they sent it to be repoed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, common wealth of Virginia child support, XXXX XXXX, XXXX XXXX XXXX in 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 2022-09-15
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
**update** I am aware I have already written one complaint, but felt compelled to follow up. I am in DESPERATE need of the {$3900.00} that I have requested refund for. Times are hard.. Inflation is the highest it has been in decades.. I just graduated college and started a job.. I am seeking a place to live.. All the while, I have {$3900.00} that I have applied for and been accepted to receive as a refund. I worked hard to pay this money in XXXX, XXXX ( I have receipts ) but my life has changed.. My finances have changed.. But the money is still in limbo.. I was told on XX/XX/2022 that my refund would arrive in 60-90 days, but any time I call, I get a vague answer and my account balance is NOT updated to reflect my refund.. I desperately need the money and I am pleading for someone to please help expediate the process.. Times are hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: AL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently sent in a dispute to this company in regards to accounts that should not be on my credit report. I also submitted identification and my FTC report. The account appeared on my credit report a few days later as not in dispute anymore ( updated ) but I had not received any notification of such, nor did I receive any investigation results. I called in on XX/XX/2023 to put the account back into dispute and to block it from my credit report. The representative said that she completed the dispute and attached my documentation. On XX/XX/2023, I received several emails stating that in order for my information to be blocked that I needed to submit the documents ( FTC report, identification, bill... ), so I called in this afternoon over XXXX times, only to get transferred and put on hold over and over. Then I was told that they do not have my documents, even though I have been submitting it over and over and disputing with this company over a year now about fraudulent information on my report. This is mentally exhausting to have to continuously go through this about my information and my life.

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 2023-12-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm currently seeking a mortgage for housing. I was informed by the Mortgage Lender I have a repository on my Equifax credit report that states I have inconsistent information. The Mortgage Lender is unable to obtain the Equifax consumer report due to this fraud, block or whatever it is. I need this taken off Equifax consumer report immediately. Equifax is hindering my ability to obtain housing for My Family and I. I never asked for such a measure to be placed on my Equifax consumer report. I contacted Equifax and spoke with an agent and he stated I needed to mail a cover letter, copy of my license, my current & previous address, copy of SS card, DOB, and a letter from XXXX. I will attach the documents I sent to Equifax in this complaint. I have given them everything they requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation