BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : 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 2023-06-06
Company: M&T BANK CORPORATION
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: Personal information incorrect

Complaint:
I closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone numbers on the report are incorrect as well. 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 2023-08-05
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
Vanilla Gift cards. 

this complaint is with respect to vanilla gift cards. Yesterday I tried to call the number that was printed on the back and the associates were insistent that I must give personal information my name email address and address to enter me in some kind of new promotion before I could check the balance of the card, after informing the agent three times that I was not going to provide any information. The agent insisted that this is the procedure that they must follow and that they must obtain personal information for you to check a gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
received credit report on XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX, had a credit report of XXXX, but my last name was misspelled. as was my wife 's. My last name should be spelled as XXXX Reported as : Consumer Credit Score Source Date XXXX XXXX XXXX, XXXX Transunion XX/XX/2018 XXXX XXXX XXXX XXXX Transunion XX/XX/2018 Please make the following corrections : Change last name from XXXX to XXXX. Thanking you in advance.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've been fighting with these bureaus since XXXX of last year to remove fraudulent information that keeps coming up on my report. They have provided no proof that it is mine, but have claimed the information was verified. At this point I'm ready to sue if this information isn't removed promptly!

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 2021-08-15
Company: Navient Solutions, LLC.
State: GA
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:
My student loan account was reported 90 days late in XX/XX/XXXX after all of my student loans were placed in a 12 month forbearance status per my request in XX/XX/XXXX. I sent Navient the documented proof of a forbearance approval but the negative 90 day late is still being reported on all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Name is XXXX XXXX, a XXXX Investor at XXXX. I have recently suffered a loss in Coinbase.com. 
I have this account since XXXX. In XX/XX/XXXX, my account was unlocked for 1 month and half. After a lot back and forth with XXXX the account was finally unlocked on XXXX XXXX. On XX/XX/XXXX for the first time I went online to sign in, I watched in real time as my portfolio went down and down in value, ,from the time I logged in, to the time I that happened, it was XXXX XXXX And in those XXXX XXXX, there XXXX XXXX  with XXXX separate transactions. The rapid-fire transactions in this case consolidated all of my virtual currencies including bitcoin ( XXXX BTC ), ethereum ( XXXX ), litecoin ( XXXX LTC-USD ) into bitcoin cash ( BCH-USD ) XXXX XXXX XXXX approximately {$27000.00} ), then exported the funds to the external following account to XXXX After reaching out to XXXX they came the devastating news : XXXX said it was unable to reverse the transactions, attributed the loss to a SIM Swap -remote takeover, and advised him to report the matter to law enforcement. Reference Case # XXXX - My Account has compromised and has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from XXXX, Equifax or XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In an email trail that I have attached that began on XXXX XXXX, XXXX, I asked XXXX for a forbearance and mortgage modification. I been affected by XXXX and had not been able to return to work because I was diagnosed with an autoimmune XXXX and XXXX in XXXX of XXXX. 

In my complaint filed on XX/XX/XXXX XXXX XXXX XXXX, I provided the completed mortgage assistance application and all the required documents. But, Shellpoint was refusing to acknowledge the completed application until I filed a complaint with CFPB.

Shellpoint provided what appears to have been a streamlined modification, which the payment was hirer than the income on the XXXX assistance application. I contacted Shellpoint and informed them that I could pay the {$1000.00} because of the American Rescue Plan as I had started to receive unemployment. But, I expressed concern that after unemployment ended, which is ending early here in Texas, I would have difficulty paying it. I am having a difficult time obtaining a job due to my ongoing medical condition. 

I paid the first trial payment of {$1000.00} in XXXX of XXXX for XX/XX/XXXX. 

Then, on the statement due in XXXX of XXXX, Shellpoint indicated that I was in a trial modification and stated the payment was {$990.00}. 

On XX/XX/XXXX, I asked XXXX XXXX XXXX my Shellpoint designated representative ) if the {$990.00} was correct. I paid the {$990.00}. 

On XX/XX/XXXX, XXXX XXXX said he would have to ask his supervisors and never did give me a response on the correct trial payment amount. 

So, for the third and final trial payment in XXXX, I wrote a check # XXXX for the {$1000.00} plus and additional XXXX. XXXX to make up for the XXXX trial payment since XXXX never responded. 

Now, Shellpoint is trying to act as if they did not receive the final payment and I have not completed a trial modification. 

I have attached the statements which are incorrect. My escrow account is not negative {$3200.00}. Shellpoint overcharged me so much on my escrow account that even without me making all the payments in XXXX, the account had enough money to pay the taxes and insurance. 

The amount of past due payments is incorrect because Shellpoint did not apply all my payments before the modification, is holding trial payments.

Plus, Shellpoint is charging unearned fees for Property inspection disbursement and late fees for partial payments and I was in a modification.

Plus, Shellpoint took {$270.00} that XXXX advanced to Ditech on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My consolidation loan originated with XXXX for 20 years, fixed interest, and stipulated payments throughout the loan until the last payment in XX/XX/XXXX. Sallie Mae then took over the loan and now Navient has the loan. 
Recently I noticed they show an " estimated '' payoff date of XX/XX/XXXX. When I inquired they stated XXXX did not disclose the loan properly and that Navient recalculated the loan for what I owe. 
My legally binding terms and payment conditions were signed with XXXX back in XX/XX/XXXX. In Sallie Mae and Navient assuming that loan, they in turn should maintain the terms and conditions. 
After 2 calls, Navient again " recalculated '' my loan and then instilled a higher auto payment draft scheduled for XX/XX/XXXX which I do not authorize. 
A third call was made today, XXXX, indicating I do not authorize that payment nor do I still agree with their " recalculation '' of the payments due beyond XX/XX/XXXX. 
They state they will be sending me my original XXXX table of payments and then their table of my payments and how I am coming up " short ''. 
If XXXX calculated my loan amount, repayment value and monthly payment amounts incorrectly that is not my fault, nor my responsibility. I signed a binding contract with them for those indicated payments scheduled. 
If another company assumes the loans, they should assume the same terms, especially since I never signed anything with them allowing them to reassess my loan, nor change any terms or conditions of my original loan taken out through XXXX. 
I feel I am only legally obligated to make payments at the monthly rate for the remaining three ( 3 ) months of my 20 year fixed consolidation loan. The outstanding value of that loan is not sizable. It is the principle here of a loan company taking advantage of people, not hearing and understanding my complaint, nor acknowledging the risks they assume when acquiring terms and conditions from loans they now take over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE DATES ARE WHEN IVE SEEN THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: LEXISNEXIS
State: IL
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/2021, the attached dispute was sent to LexisNexis. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from LexisNexis. Despite this, the public record in question remains on my 3 major credit reports and LexisNexis report. I have attempted to dispute the record in question with the credit reporting agencies ( XXXX XXXX, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my LexisNexis report being frozen at the time. This would also mean LexisNexis continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023, received Bank of America letter/notice that a credit card application was received in my name. The notice is dated XX/XX/2023. The reference number is XXXX. I contacted my local police department and I attempted to contact the banks fraud department ( it is closed on the weekend ).

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 2023-03-12
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX requesting validation of the debt. Its been over 5 months and the only thing they have done is notify one credit agency that I am disputing the debt. By law you only have 30 days it has been well over 5 months. enclosed are recent pictures of my credit reports from all 3 agencies showing that there are still inconsistencies. It also shows that in 5 months you have only alerted one agency that i am disputing the debt and that is still not validated or confirmed or even investigated. I am also enclosing pictures of the certified mail receipt dated XX/XX/XXXX. I am enclosing the letter i sent requesting validation of the debt bearing my signature and asking you to do so in 30 days. I have been personally and severely impacted by the lack of due diligence of this companies reporting and its in complete violation of 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 explanation
Consumer complaint received 2022-12-23
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:
Equifax is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * Procollect- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and XXXX removed this debt. 

* XXXXXXXX XXXX- This company does not respond to me. This was removed on XXXX. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicing company is holding mailed payment check until after late fee date passes, 16 days after due date, then assessing {$45.00} late fee.

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 2023-08-30
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To Whom It XXXX Concern, I am writing to dispute a charge on my Barclays credit card for a rental car from Enterprise. On XX/XX/2022, I rented a XXXX from the Enterprise location in XXXX XXXX, NJ. 
I called XXXX the day the car displayed brakes needed to be checked and to stop driving. The manager said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. 
I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of Barclays for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue. 
Thank you for your time and attention to this matter.

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 2023-04-25
Company: EQUIFAX, INC.
State: MO
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 explanation
Consumer complaint received 2022-03-19
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well the bank is first Citizens Bank they said that when I made my deposit that my check didn't clear they said that my account basically was fraudulent they said that the deposit that I made was fraudulent and altered to so basically they put my account on hold and put it on for a frozen account and said that this account will be closed and that I have no funds in this account and not to mention this was early XXXX maybe early XXXX of 2021 so why am I still receiving text alerts why am I still receiving email alerts with a balance of {$4500.00} every single day from the moment they close my account supposedly till now and I'm still receiving these text alerts and I also called and I have it on video where I talk to representative and she basically stated that wherever my text alert is saying where my email alert is saying that is my balance so I had got into it with representative that's actually over the account she's very disrespectful she's very rude and I've tried to talk to other people about my account so I don't have to deal with her but somehow they won't listen just basically want to pass me to her and I don't want to talk to her because she's just disrespectful she's very rude and I don't have time for and I know that my account is still open and I know that my funds are still in that account and somehow she's done it where it's showing that the accounts closed but it's not cuz I'm still receiving a {$4500.00} dollar balance every single day I mean I don't know what else to do and I know that I'm not crazy and I know that their system is not going to generate me a balance every single day with the same exact amount every single day from the moment that this account supposedly has been closed have no record of the was supposedly check that was fraudulent I never received that back but I also have when they Representatives on video where she's stating she's saying that wherever my text alert is saying whatever my email alert is saying that's what's in my balance so why are you saying one thing and why is my I mean I don't know what else to do so can you please help me get this issue resolved because I know I'm not crazy and I need my money out of that account thank you

Company response to consumer: Closed with explanation