BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NC
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 have an open account with XXXX XXXX XXXX XXXX, and the account has the wrong address associated with the loan. 

In accordance with the fair credit reporting act XXXX  Account # 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.

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 2020-08-25
Company: Paypal Holdings, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I purchased an item on XXXX using paypal service, when the product was never received I requested a full refund from both XXXX and Paypal. XXXX stated they attempted to process the full refund of {$110.00} but could only provide {$100.00} refund because Paypal prevented the full refund transaction. I initially contacted Paypal by phone for the refund immediately after receiving the {$100.00} and was told by the Paypal representative that I needed to wait 12 days until they receive a reply from the seller on the matter before I could escalate the case. I waited the 12 days and called back and was then told I waited to long and the case was closed and nothing could be done. This is obviously deceptive practice because their process/service which I pay for failed to protect me from the lost ; which they past on to me. I would like to receive the remaining amount owed and expose this Paypal practice. Please advise. Please see notes from XXXX  and Paypal. 


Paypay Case XXXX Transaction ID : XXXX Amount : {$110.00} Date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I had hardship of lost job of cov19 in XXXX, My mortgage with XXXX XXXX XXXX sold my mortgage to Carrington. 

All FORBEARANCE DUES ALREADY PAID IN FULL ON LAST XX/XX/XXXX BUT CARRINGTON WANT TO PUT ESCROW ON MY MORTGAGE OF 16YRS THAT I NEVER HAD ESCROW. 
( THAT WOULD INCREASE MY MONTHLY PAYMENT TO $ XXXX $ XXXX MO ). 

Carrington intending FORECLOSURE & CHARGE LATE FEE my property. 

I received twice NOTICE OF INTENT FORECLOSURE, LAST ONE IS XXXX XXXX, XXXX SINCE XX/XX/XXXX TO -TODAY I HAVE BEEN ASKING TO REMOVED ESCROW CHARGES BUT THEY DENIED. 

MY PROPERTY MORTGAGE ALREADY PAID ABOUT 80 %. 
I never missed any payment of HOME INSURANCE, HOA , COUNTY TAXES IN THESE 16 YRS. 

I AM IN MY XXXX, very hard to find job to get some extra money to pay my mortgage. 

My source income from XXXX ONLY ABOUT $ XXXX month. 
With that amount I received barely can make more payment. 

Please help me to get out of Carrington THREAT. 
THANK YOU FOR ANY ASSISTANCES. 

BEST REGARDS,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
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 mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.

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 2022-04-06
Company: JPMORGAN CHASE & CO.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my credit card has been charged for {$450.00} without my authorization. I filed the dispute however it was denied without reasonable explanation. This is my second time experiencing the same issue with JPMorgan Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
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 mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Experian and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : 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 2023-03-23
Company: TD BANK US HOLDING COMPANY
State: MN
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 sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. 
By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section its noted the account has been disputed but reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XXXX XXXX XXXX i received a letter from XXXX stating that based on a XXXX XXXX XXXX case my loan discharge was approved in the amount of {$49000.00} a total of XXXX loans from XXXX XXXX XXXX. I called and spoke to XXXX because my credit report had new loan information for the loans listed on my credit report with amounts owed. I was told that in order for XXXX to discharge properly they had to add the balance of each load and then submit to XXXX balance each loan. After speaking to XXXX i called Mohela who my loan is with and since i had already entered into an income driven loan and consolidated i explained the letter and what XXXX had told me. I was instructed by Mohela to wait for XXXX to reach out and that the balance of $ XXXX would be adjusted correctly once the information was received. I have talked to Mohela today and they are instructing me to go back to XXXX XXXX XXXX and restart the process to get the information that i already have in order to investigate on their end. I know that my credit reporting should not be impacted by this information and i want to file a complaint. I have been told that i have to wait for this to be done because of the covid forbearance that my loan is currently under.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This complaint is many of several. I just did this a few weeks ago only for all XXXX credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXX XXXX XXXX XXXXXXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXX XXXX XXXXXXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, XXXX AND TRANSUNION HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES XXXX AND TRANSUNION HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!

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 2022-11-30
Company: EQUIFAX, INC.
State: NJ
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.

Account name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXXBRIDGECREST FINANCIAL. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX/BRIDGECREST FINANCIAL. The car was sold at auction shortly thereafter and XXXXBRIDGECREST FINANCIAL sent me a notice of deficit after the auction sale. Being unemployed and homeless I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company XXXX XXXX XXXX purchased the debt from BRIDGECREST FINANCIAL and is now trying to collect {$17000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. 
XXXX XXXX XXXX is now trying to collect {$17000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago. BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$17000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$17000.00} due and owing. 

I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX  '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an account on my experian credit report with national credit adjusters for XXXX dollars. Experian says that my account was scheduled to be removed XX/XX/2023, but the account is still showing on my credit report as of XX/XX/2023. I disputed this account on my credit report, but experian will not remove the account and now I do not see the removal date on the account when I look. I am able to go to my previous credit reports on experian.com and see that it clearly says the account will be on record until XX/XX/2023.

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 2023-04-19
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear CFPB, I am writing to submit a complaint regarding the Savings Account provided by Apple and Goldman Sachs, which offers a 4 % + return rate but requires applicants to have an Apple Card credit card as a prerequisite for applying. 

Upon applying for the Savings Account 's prerequisite Apple Card on XX/XX/2023, I was denied due to " insufficient credit history '' after Goldman Sachs only checked my XXXX credit history, which had a thin file on me. If they had checked my credit history with XXXX or XXXX, they would have approved me immediately. This situation exposes consumers to Goldman Sachs ' bias towards a credit rating company that does not take all possible measures to mitigate a thin file on an individual with a proven high credit score with other rating companies -- especially when the consumer 's ultimate goal is a Savings Account. 

I contacted XXXX regarding this issue and they advised me to plead with transaction parties sending data to other rating providers to also send data to XXXX, which is completely unscalable. 

I suggest the following action items be taken : 1. Apple should fix its Card application flow to have an appeal process with manual triage to review and mitigate obvious case errors. Their robotic denial process currently refers the consumer to XXXX to resolve issues. 

2. Goldman Sachs should reduce sampling bias by asking for credit rating from more than a single provider, namely XXXX, XXXX and XXXX. 

XXXX. XXXX should be held accountable for the consumer experience from a thin file and should be responsible for backfilling data available at other rating providers when a consumer can objectively prove the disparity. 

I request that CFPB investigate this issue and take appropriate action to ensure that consumers are treated fairly by financial companies. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Source Receivables Management LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some sort of credit with your company Source Receivables Management? I have never done business with your company, I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? 

I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you not obligated by law to remove this account from my credit file. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Attached is my legal documentation from the FCRA, please remove this account as soon as possible. 

Remove this account from my credit file : Source Receivables Management {$2400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/ I tried to revive a XXXX deposit and since it wouldn't take I called the customer services for JP Morgan Chase Bank and was informed that my account was blocked for closure with restrictions and that I could never again have an account with Chase. 
I inquired as for the reason and none was given. 
I went to my local branch and they reinforced what I was told on the phone. 
I was able to retrieve the funds I had but my Social Security check was returned without any warning. 
I never got a letter, a call, a text, warning, nothing Only found it because a transaction did not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureaus are clouding with XXXX XXXX Bank reporting negative reporting

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 2018-05-16
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to XXXX. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from XXXX, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.

Company response to consumer: Closed with explanation