BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: IL
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:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC po box 105069 Atlanta, GA 30348 RE : Social Security Number : XXXX To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX Enclosed : copy of State ID showing proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: EQUIFAX, INC.
State: NC
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:
XXXX19 I did not authorize the Auto dealership to bombard my credit report with 13 inquires. When I saw this the business manager told me that the 13 would become 1 since I was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Lockhart, Morris & Montgomery 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:
On XXXX Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right. Company has obtained a similar Social Security number, that is not mine as well. The social security number on the companies redacted file is not mine! The company has not answered any of the requested validation request as outlined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was charge for {$1900.00} for case # XXXX. The company " regus '' charge my card but did not provide the services they advertised and offered and has fraudulently misrepresented their billing and is incorrectly charging my for services they did not deliver. 

I provided Capital One with proof of this and they refuse to handle the claim correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: Donut, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I have transferred over {$13.00} to DONUT APP last year. I opened an account with them as they advertised better saving with options of 5 % interest and 2 % fee. The app had structured the funds to be diversified and invested to XXXX. Currently {$12000.00} of my funds have been frozen since XX/XX/2022. The company despite stating the funds would be diversified, loaned 95 % of its most secure plan ( XXXX plan ) to XXXX XXXX XXXX which is currently filing for bankruptcy. 
Please assist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 I attempted to dispute a unauthorized inquiry from XXXX through Experian and they never responded. I have a fraud alert on my credit file and my credit file was locked I never applied for anything from XXXX. XXXX stated they didn't have any information and for me to contact Experian. It's been months and I have yet to get this unauthorized inquiry deleted. Experian needs to delete this fraudulent inquiry off my credit file indefinitely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-10-13
Company: EQUIFAX, INC.
State: MA
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Depot is Dual Tracking. 
I submitted a loan modification and on XXXX I was told the file in being reviewed nothing need. I have a sale date for XXXX and I was told that since my file is under review for a loan modification, that my sale date would be postponed, it was currently on hold. 
I called daily to the point where i was told that if anything was needed they would mail me out a letter. 
On Wed XX/XX/2019, I was speaking to Mr. XXXX, and he told me my file was no longer in review for the loan modification. He stated that they closed it out but would look into the reason why, and call me back. He stated he escalated the issue. 
No one ever called me back! 
On Thursday XXXX XXXX I called Loan Depot back and they told me that they closed my file due to not having enough time to review the file. She stated by Law that they need to have the file 14 days prior to the sale date. 
I told her that they did have it, i met that time frame. She stated I didn't as the letter they mailed to me stated that " it can not be reviewed due to receiving the application less than 15 days prior to the sale date. '' I asked her for a copy of the letter to be faxed or emailed and she refused. She stated I need to wait for it to arrive in the mail. 
What this representative stated to me today, contradicts everything that i was told by her and all other representatives. 
The issue I have with Loan Depot is the following : I was told my file was in review and nothing was needed and my sale date was being postponed. I contact an attorneys office today and they stated what Loan Depot is doing is called Dual Tracking. Which means Loan Depot is processing a submission for a loan modification while also pushing the homeowner through the foreclosure process at the same time. 
That is illegal. At this point I feel that I was lied to by Loan Depot as well. The 2 days that I didn't call this is what happened to my file! 
I needed to submit this complaint so that they dont lie and give false hope to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: MA
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:
I was told by the Consumer Financial Protection Bureau ( CFPB ) to submit my complaint again. 

XXXX reported six 90-day late payments to the Credit Reporting Agencies ( CRAs ). 
Those payments were put on forbearance to bring your account current. 
Due to the forbearance, XXXX should remove the negative reports because it contradicts the Advisory Opinion to Harris to the U.S. Department of Education. 

XXXX denied to update the credit reports on the basis that it was " correctly reported '' and that the Advisory Opinion to Harris relates to information that is incomplete or erroneous. 

In XXXX 's response to my first complaint, they are completely ignoring their duty as a " Furnisher '' under the FCRA. The 90 day late payments that are being reported as late are no longer late due to the forbearance. The attached approval for the forbearance shows that all payments from XX/XX/XXXX through XX/XX/XXXX were " postponed '' Therefore the payment that was due on XX/XX/XXXX which was 90 days late, was no longer due on XX/XX/XXXX, therefore no longer 90 days late and my credit reports should be updated. 

The information that they have provided to the CRAs is not complete nor accurate, directly conflicting with the FCRA. 

It is XXXX 's duty to update the information. 

" This duty extends to all student loan accounts reported toCRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am serving XXXX XXXX in the XXXX, and I had a phone service plan with XXXX XXXX. I had closed my account in the store so I could switch to a family plan with XXXX, XXXX at the time. 

When I closed my account in the store I was told that I owed nothing more, the final amount that I paid was the same amount as what they claimed as debt. 

They sent a letter to my house, which is my home of record, however being stationed elsewhere I didnt see the letter until I went home. The people at my home of record does not open my mail, and its very difficult to receive mail on post so I dont do that. They never tried to call me directly or told me in any other way that I owed. 

When I saw the letter, I called XXXX and asked them why I owed them money. They told me on the phone that I didnt owe them anything and that my final bill was paid. So I contacted the debt collector, and they were unable to help me. Even trying to log in to my XXXX app showed that my account was already closed. Finally after about a month of back and forth I paid the bill I had already paid. The debt was settled with the debt collector and I thought everyone was happy. 

My credit report got hit with a 3 month late payment history, the only negative report I have on my credit. I take my credit seriously, pay all my bills on time, and never go over any limits I have financially. I feel very wronged by XXXX, I even contacted their collections team after seeing the report and they wouldnt help me. I tried to get the recorded calls as proof and they wouldnt do that either. Im almost to XXXXhe point of getting a lawyer.

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 2022-09-06
Company: Selene Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have owned our home for 27 years and are now getting divorced and need to sell the house. Selene Finance LP of XXXX purchased the mortgage from XXXXXXXX XXXX years ago and has never been helpful or responsive. I have engaged a realtor and we know we may have to go with a short sell. Note that the house is beautiful and in a great neighborhood in an eastern suburb of XXXX. The roof will need replacement and some other minor fixes due to water damage. We are also behind in payments as I am now on SSD due to XXXX and another health issue... but we made we saved the house from foreclosure for all those years and when I commuted to XXXX to work for XXXX XXXX. 

Per Selene 's directions, I have advised them of intent to sell and likely short sale on a three-way conference call with their reps and my realtor. I then completed their 10-page form to transfer authorization BY FAX. That was more than 6 weeks ago and after more than two dozen phone calls, I was informed the authorization was approved and I was going to receive the necessary document BY MAIL. Now 3-4 weeks later, no document plus interest rates went up, undoubtedly hampering our profit potential ( and Selene 's for that matter ). 

I call daily and deal with incompetence. When promised that a Supervisor will call me, no one ever does. I am filing this complaint with the CFPB and will now also contact the XXXX, my county commissioner and my state senator. 

I am hoping you can help me and my family as we've gone through much in recent years and need to resolve all this. I am a responsible professional ( semi-retired now and consulting, and also a XXXX XXXX  ), father of XXXX XXXX daughters and politically active in local issues. 

Please contact me at XXXX or at XXXX. 

Thank you in advance for your anticipated help, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: MA
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:
So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX Experian : XXXX XXXX XXXX XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2021-11-18
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Binance.US a cryptocurrency exchange, has taken my account hostage for 45 days, regardless of my correspondences they have not helped me and are ignoring me! and seems like many thousands like me now. 

*All THEY HAVE TO DO TO HELP ME IS : ADD MY NEW CELL NUMBER TO THEIR SYSTEM ( since my cell number has changed ), SO I COULD ACCESS MY ACCOUNT. 20EMAILS AND THEY ARE NOT DOING IT! 

I have completed " Identity Verification '' steps needed. One of which is to upload a valid photo ID of yourself and have the data be reviewed and validated. I completed those steps in XXXX of XXXX I have reached out to the organization *multiple* times, have filed a previous complaint here at the XXXX, and have exhausted my resources to find a solution. My immediate concern is that I have over {$7000.00} in funds on the exchange -- which is a large amount for myself -- and it is being held hostage due to the incompetence of XXXX. 

I believe this to be fraudulent and illegal. I'm not the only one. I've read plenty of other users experiencing the same, ongoing, woes. I'm asking for a resolution + compensation for the neglect and ongoing waiting period to access funds that are legally mine, being held up by this corporation. I will be filing a civil claim against said company unless a swift & satisfactory resolution is met. -XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I went into Bank Of America on XXXX XXXX XXXX Ct to make my mortgage payment. I handed my check with the statement to the teller she put the payment to my home equity credit line. I noticed the mistake the next morning and went to the bank manager the very next day. He said he couldnt fix it and I had to come back on Monday. So after going back and forth with the bank that account was fixed but the mortgage never was. After this I decided to make all my payments online which I have made my mortgage payment on the XX/XX/XXXX of evert month for the past 10 years I have all the proof. Well the bank took out two payments and I only wanted one out. I called the bank they told me to stop payment and reissue the payment on the phone the next day when the money went back which I did. Now they have taken all the payments out and say I am two months behind I have all the payments and the proof to back them up they say my principal balance is XXXX but that was the same principal balance I had in XXXX and by my calculations and payments my bale should be XXXX my balance was XXXX. And now in XXXX its XXXX and I have made monthly payments of XXXX. A month and the principal is to be deducted each month of XXXX which means that my principal should be XXXX Bank of America calls me at least 4 times a day now they have screwed up my tax escrow account as well. I have emailed the CEO of Bank of America and never got a response this is so stressful I cant sleep I am making my mortgage payments on time every month and I want this bank to fix it. Every time I talk to the bank they are oh I am so sorry Mrs XXXX yes we made the mistake but no one fixes it I want to refinance this home and if they XXXX up my credit I wont be able to do it

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