BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MD
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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Portfolio RC XXXX XXXX This account was settled for less than the balance. The company updated the comments to show paid in full for less than the full balance but updated the actual balance to show the amount they discounted as due. This is preventing me from being able to purchase my home. I have requested for them to update to the actual balance and have no responses. 
I need this account to show the correct balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Keep raising mortgage payments, claiming escrow is low or depleted because of taxes and insurance. First, it was water bill, than it was analysis every 2 years now it reserves escrow!!!! Select portfolio services!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
These accounts are paid in full and please reflect paid in full {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... Experian and all sister affiliates corporations, XXXX and all sister affiliated corporations and XXXX and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX  Entities must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of XXXX  and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.

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 2023-08-24
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have not received any debt validation notices or statements from the original creditor. 
I was never served by the court, or neither was i notified by the debt collector about them filing any lawsuit. 
I received a judgement from the court that I considered fraudulent based on the fact that I do not have knowledge of this debt. 

This collection agency is in the habit of obtaining judgments that is not valid and pretend to be the original creditors. 

I am asking that this collection agency remove said judgement from my record and vacate all judgment pertaining to me.

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 2022-11-21
Company: BlockFi Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022 the BlockFi cryptocurrency platform disabled withdrawals of my wallet assets under my name. The wallet is under my name in cold storage and is not to be used to satisfy secured creditors if bankruptcy comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Working with American Express to resolve an error in the payment system. Stating that the XX/XX/XXXX or XX/XX/2018 payments were not made. I have documentation showing the payments we're made on time and more than the amount requested. American Express will not speak with me or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has 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 2023-03-22
Company: EQUIFAX, 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:
IN XXXX  MY WHOLE PURSE WAS STOLEN OUT OF MY CAR POLICE REPORT IS ATTACHED MY SSN HAS BEEN COMPROMISED CREDIT INQUIRES WERE ESTABLISHED WITHOUT MY AUTHORIZATION CELL PHONE BILLS FROM XXXX & XXXX ARE ON MY CREDIT REPORT, INQUIRY FROM XXXX XXXX XXXX XXXX, XXXX XXXX, Someone even tried to purchase a home using my identity Please remove the items a police report is attached ty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a product from XXXX through PayPal which turned out to be a scam. The seller admitted to it being a scam and promised a refund. After waiting months I never got a refund or response so Im requesting a chargeback. I have proof of this as well. I made 2 transactions for XXXX usd or XXXX cad. 
Transaction IDs : XXXX and XXXX Proof contains both our emails

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: CA
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:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 


XXXX XXXX XXXX XXXX and 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 2023-10-04
Company: Experian Information Solutions Inc.
State: NM
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 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-13
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been a cash app member since XXXX. I was under the impression, that I had a personal account. I never changed my account to a business account. I was being charged every time I received funds, when I shouldn't have been charged. I don't own a business, and never owned a business, and therefore I shouldn't have been charged. When I noticed the mistake, I used the customer support option on app,, and, didn't get the help I needed.. I called cash app customer service, and they said they only could refund me for 7days. I repeatedly told them, I would like all the money they took from my transactions, because that is theft.. They reimbursed {$28.00} ( which is for the last 7 days ) on XX/XX/XXXX @ approximately at XXXX. I explained to them, that is not even half of all the money they took from me,, which was clearly unauthorized. I asked to speak to someone in charged and was told, I only could do so by email.. I have been exceptional customer, and don't deserve this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Foursight Holding LLC
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:
To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Our mortgage was sold to this company in the middle of a loan modification/forbearance process. Once we had sent in all of the needed documents ( twice ) it took a few months to finally hear anything back. I had to call and call to get any sort of answer. When everything was finally settled. At the end of XX/XX/XXXX I was informed over the phone that everything was done and our first payment would be due XX/XX/XXXX. We had decided to go ahead and make a payment in XX/XX/XXXX for the XX/XX/XXXX due date so we would be ahead a months payment. I had to call in to make the payment of $ XXXX, again she confirmed that payment would be for XX/XX/XXXX. In XXXX I went to make XX/XX/XXXX payment and again had to call in because online payments could not be made for our account because something was not completed on their end. I was assured that it should be fixed by our next payment. I noticed a couple weeks after that our account was showing delinquent. I then called again and was informed that she had escalated the issue and it would be fixed. After about a week of not hearing anything I called to check and was told she had gone on vacation and forgot to follow up on the issue. Again she escalated the issue. With one of the conversations with this same person she was very rude talking and yelling over me. I then ask to speak to her manager and had to leave a voicemail. Did not hear back. We have made three payments now of $ XXXX and still are being told we are delinquent. I have tried multiple times to have this issue resolved. Left another voicemail today with her manager XX/XX/XXXX. 

As of today we have made XXXX, XXXX and XXXX 's payments but are being told we have only made XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, 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:
The following are unauthorized inquiries I have relentlessly contacted Multiple times during the past 2 months please remove stop destroying my life. 

1 ) XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) XXXX XXXX XXXX Date : XX/XX/XXXX 3 ) XXXXXXXX XXXX Date : XX/XX/XXXX 4 ) XXXX XXXX XXXX Date : XX/XX/XXXX 5 ) XXXX Date : XX/XX/XXXX 6 ) XXXX Date : XX/XX/XXXX 7 ) XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: DE
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have spent the last 2 years trying to get a loan modification through my current mortgage holder Mr Cooper. I have been stuck in a non stop repeat cycle, I fill out all paperwork and gather all documents requested, follow up and am told they have everything they need, then the next week I follow up the person that tells me they received everything is no longer available and that Im missing documentation that I confirmed they received the previous week. I then resend everything that Ive already sent and call to follow up and they say my application has expired and I have to start the process over again. After about 12 times of doing this I got fed up and complained and was transferred to the escalation department who tell me they will be my single point of contact and then they do the exact same thing, tell me they have everything they need and then the next week Im dealing with a new person once again telling me to start all over again and my single point of contact is never available or heard from again. Ive put in 9 requests in the past 3 months for a supervisor to contact me and not once have I been contacted by a supervisor. The last attempt I finally was able to get it sent to the underwriter but Mr Cooper Mortgage didnt include income that they requested and I sent and was confirmed it was sent. I then spoke to XXXX XXXX who told me all I had to do was send in an appeal letter and more check stubs from my wife. The next week I confirmed XXXX XXXX had everything she needed to which she agreed and stated she would follow up with me weekly. Then once again XXXX XXXX is not available just like my previous 5 single points of contact and XXXX speaking to someone new telling me I have to start the entire process over again. I truly believe this company has no intention whatsoever in attempting to do a loan modification and are following a script to keep customers in a never ending cycle until they can sell home out from under us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: MOHELA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. An identity thief has used my information without my permission to enter into a business agreement with a company being reported as Mohela XXXX on my credit. 

I have enclosed a copy of my FTC Identity Theft Report along with this submission. 

To eradicate this issue myself I have spoken with Mohela/XXXX  directly on XX/XX/XXXX reporting the identity theft claim requesting for the immediate removal. I have also sent them a dispute letter via certified mail which will also be enclosed. 

I am demanding the immediate removal of this account from all CRAs and confirmation to be sent once it has been completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation