BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2023-06-15
Company: Experian Information Solutions Inc.
State: PA
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:
This account doesn't belong to me when they finally closed it and charged it off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I kept disputing this month after month they never showed me the proof of their investigation. 24hrs after the complaint they come back with the result of verified. show me the method of investigation

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 2023-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Increased my payments over XXXX over last 6 months undervalued my tax and insurance payment shows XXXX instead of XXXX tax and insurance actual went down XXXX to XXXX Said my escrow beginning balance s/b XXXX when it should be 1935 This all results where my annual amount of payments for escrow s/b XXXX which is less than XXXX based on XXXX mos they want to charge me Something is wrong with their calculations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to get into my XXXX XXXX XXXX account but none of my passwords work. I tried repeatedly to change my password but to no avail. I then called the XXXX XXXX number and was told by message ( not a human ) that my loan was being serviced by another institution and gave me the telephone number - XXXX. As of now, I have been on hold for XXXX hour and XXXX minutes ( and counting ). I need to get into my student loan account to figure out how to proceed with my student loan and I am at a complete loss as to how to go about that. 

I found this on the web : The Department of Education has announced that MOHELA will be the new point of contact for participants in these programs. The switch from XXXX to MOHELA will likely happen for you later in 2022, according to the department, but you can check your loan or grants transfer status on MOHELAs website. No other changes will take place regarding your loans or grants. 

When I went to the Mohela 's embedded website I got this message : XXXX - File or directory not found. 
The resource you are looking for might have been removed, had its name changed, or is temporarily unavailable. 

Please help me access my loans. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello. On XX/XX/2020, Santander reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that Santander will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I contacted Coinbase about my transaction to a person with the correct address. They informed me that the recipient got the money. Further research revealed they sent it to the wrong person. Despite providing clear documents, Coinbase hasn't addressed the issue despite multiple calls. The amount is {$1400.00}, and the date was XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX XXXX 
I attempted to sell off my crypto of XXXX though XXXX XXXX though Binance.US as they recommended to use. I had {$23000.00}. I had to download Binance.US app as recommended by trusted wallet. After setup I followed Procedures and Proper Passwords..after that I proceeded to sell off my assets. At that point I got no confirmation. I immediately contacted both Companies, they advise me And sent me links to do over. I have been corresponding with them for weeks. And Nothing they said they have nothing they can do to recover. 
XXXX XXXX. 
THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair/correct the accounts listed below : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2023-04-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My new account is with XXXX. XXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX or XXXX. I want all XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: IL
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 have contacted the major three credit reporting agencies on several occasions to remove this negative and erroneous information but they have failed to respond to my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TN
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:
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. 

has violated my rights. Or a list of inquiries : 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 2023-12-13
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have been trying to get our mortgage company NATIONSTAR MORTGAGE COMPANY, to give us the balance on our home loan in writing since early 2015. Our first few request were placed through our attorney to Nationstar 's attoney. We were told on numerous occations that Nationstar 's attoney would try to facilitate obtaining this information. We found your website and folowed the directions listed and sent our first formal request ourselves on XXXX XXXX, 2015. This prompted a response that no information would be forthcoming, per XXXX XXXX XXXX, our Nationstar appointed contact via email. ( after we inquired XXXX more times for the balance ) I would think that this information would be very easy to obtain, since this would be just a click of a button to find a loan balance that they are servicing the loan for. We filed a complaint with the CFPB on XXXX XXXX, 2015. Nationstars attorney responded to the CFPB on XXXX XXXX, 2015, we had court on XXXX XXXX, 2015 and Nationstar was ordered by a Federal Judge ( Judge XXXX XXXX, of the XXXX District of Oklahoma ) to correspond with us through a Court Order. Once again we followed the proper protocall and mailed a certified letter requesting the balance on our home loan at this time. This second certified letter was mailed on XXXX XXXX, received by Nationstar with the Court Order attached on XXXX XXXX, 2015. Nationstar NEVER responded to our request as they are suppossed to once this request is received in the five ( 5 ) day time frame upon receipt of our request. It is our desire to know the balance on our home loan as we have received nothing from Nationstar in the 4 years that they have serviced our loan and we have been in a Chapter XXXX bankruptcy. A court order is in place ordering them to communicate with us and they still choose to ignore this Court Order. Our bankruptcy will be discharged in about a month and we need this information to possibly refinance our home due to the HORRIBLE way we have been treated by Nationstar Mortgage Company and their lack of Customer service. This is a very basic request and we do n't understand why Nationstar has blatantly ignored our request. Also in our first complaint to you Nationstar has a habit of changing our address on corresspondence to show it was mailed and this could be why it was not received. I 'd like to see if any such mysteruous correspondence is once again fraudulently floating around in their computer system. No mail has been received in connection to our request at our attorney 's office or at our home address as Nationstar was ordered to change our address too as of XXXX XXXX, 2015. Thank you in advance for your assistance with this complaint. The CFPB was extremely helpful in XXXX when we filed our previous complaint in helping to facilitate the placement of the Court Order to correspond with my husband and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My Credit report account with Experian has been compromised. My name online is inaccurate it says XXXX if you pull a report vs my hyphenated name. It has been happening like this off and on mostly this year Experian has been reporting my name as XXXX or inaccurate. They blame XXXX and XXXX XXXX another area with issues.Someone changed my email address and locked me out of my Experian account again. I just noticed During a period of time they also changed my address to my previous address XXXX I haven't lived there since XXXX. It's to easy for others to manipulate and get into Experian - you just need social security and any other information and its system will change all your info except social I had to recreate account in order to get back in Experian. Also, Under my credit union there was a link saying card linked.. It said XXXX cash back for educators - it was a credit card. I tried to get all this mess rectified but some had suspicious activity while calling Experian- it seems reps were making the corrections as we spoke .. and she asked for online email address and phone.. I called several times and couldn't progress. Automated compromised also. Calls intercepted and automated repeats or goes forward without any info etc... I don't know how to get Experian to correct my information and protect the online account- they need a better system. Someone breached Experian over and over. I called XXXX  and spoke to several people in diff department- I was told that there were 5 accounts in different names with last four of my social security number..- she said that's possible- I don't believe this- she assured me it was or that it changed.. Something odd is happening and its Experians responsibility. Another thing is improper use of online account - I received an Experian email and it had credit card balance in it. ' Good news your XXXX available credit could be higher..? My last Experian complaint wasn't resolved either- they had to change my address then because I didn't receive anything at all- my ok latest letter stolen with loan documents student date other information. T he ere are many more issues XXXX percent sure there is some type of infiltration, hacking or something with Experian..My freeze was removed and I had to put it back on.. and loans on my XXXX XXXX XXXXXXXX were in then off then back on for XXXX XXXX - between last dispute and now - someone has been busy doing in background on Experian especially & modifying my info and pretending to be me- identify theft.. the name XXXX is being used out there and I'm being set-up having to clear my name. And make corrections everywhere because of Experian inability to recognize a major BREACH.

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I Have Inaccurate Information on my credit Report, My Credit report Shows that i have 3 Different addresses. I've Never Lived at those Addresses Listed the only Address that i Lived at is XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need those other addresses Removed immediately, I never gave them Permission to report any of those addresses. 
I also Have found multiple errors on my Consumer Report that are Listed below XXXX XXXX ACCT XXXX XXXX BALANCE : {$46.00} THIS ACCOUNT WAS NEVER LATE XXXX XXXX  XXXX XXXX ACCT : XXXX XXXX : {$9700.00} Remove this Account Immediately XXXX ACCT : XXXX XXXX Remove This Account Immediately XXXX XXXX ACCT : XXXX balance : {$650.00} Remove this account Immediately 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

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 2021-06-23
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a checking account with Comerica Bank on XX/XX/XXXX and deposited a check amount of {$1000.00} within next couple of days ( weekend ). 
The bank closed my account on XX/XX/XXXX and disabled the online access. 
The deposited fund was unavailable until today XX/XX/XXXX as they notified me in the mail. They charged me for a 'return item ' fee for $ XXXX when there was no other transactions but a single mobile deposit. 
Their main customer service line and local branch was not able to explain the charge. 
A local branch let me know that a check amount of {$1000.00} with the fee deduction would be sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has a loan on my credit report that I never opened. The loan is for almost {$3000.00} says that I am past due for the payment. I've contacted XXXX XXXX they couldn't give me any information on the account because they couldn't find it. From what I see on XXXX XXXX the account was opened on XX/XX/XXXX of 2022.

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 2023-04-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My new account is with XXXX. XXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX or XXXX. I want all XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on 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 explanation
Consumer complaint received 2023-03-03
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 is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00}.

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