BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complain and I'm including it again. 
Here are the items that needs attention in my file : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was having problems paying my mortgage due to my mothers sudden death which I ended up paying for. I started having back issues XX/XX/2020, which caused me to miss work a lot. XX/XX/2020, I was put in contact with XXXX XXXX XXXX. They told me they could help me get a modification on my mortgage, and would get a fresh start because I could not afford a repayment plan. I paid them 3 payments of {$1200.00} for this service ( total of {$3600.00} ). This process started XX/XX/2020. Around the middle of XXXX I received a phone call from XXXX XXXX XXXX stating my mortgage company ( Carrington Mortgage ) denied my modification request and would only agree to a repayment plan of {$3.00} per month for 6 months. I explained to them I was just getting back to work full-time and was playing catch up and would not be able to commit to paying double the amount of what my regular mortgage payments are. XXXX XXXX XXXX suggested I file bankruptcy. I did not want to do that because my only debt is my mortgage. I simply needed a fresh start. I have never had or requested for a modification prior to this. I need help. I do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
JP Morgan Chase Bank is a great example of banks taking advantage and gouging customers. My account was overdrafted even though i have made several calls demanding my account to deny any ach or charge to the account with insufficient funds. Even after this chase bank allowed a transaction to overdraft the account. They paid a principal amount of XXXX Us Dollars. They charged me a total of XXXX. They have collection department calling at early morning when I'm sleeping. Over 8 calls in 20 mins is completely unacceptable and unethical. Dealing with a personal injury case, im trying to recover and chase has no care or dignity on how they deal with loyal long term customers. I have offered to pay the principal amount on the account and I am harrased by their collection department. Law suit soon to follow against JP Morgan Chase Bank regarding harrassment by their collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am writing to formally dispute several significant mistakes and discrepancies found on my credit report, which was recently obtained from your agency. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information being reported by your agency. 

Upon careful review of the credit report, I have identified the following errors and inaccuracies : -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previous complaint submitted on case # XXXX Transunion and previous complaint submitted on case XXXX XXXXno investigation was ever conducted. the matter was closed premature and without consideration to the violations of my rights to have my credit information to be reporting accurately. 

The complaint previously submitted with concerns of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Was never investigated, and remains negligently reporting inaccurately on my credit profile. 
1. I have summited evidence XXXX was reporting inaccurate by a payment history statement from their system. 
2. I have never borrowed any money from XXXX XXXX, XXXX is not even a lender. My promissory not clearly states the lender I borrowed from was ( XXXX XXXX XXXX ) If an investigation was conducted, Equifax and XXXX they would have notice that loan was paid in full two month early from my contract expiration date. 

I opened the Loan with XXXX XXXX XXXX not XXXX  on XX/XX/2022 which makes it impossible for me to have accrued a late payment in XXXXXXXX XXXX, therefore Equifax just changed the inaccuracy from XXXX to alleging XXXX. 

I submitted proof that XXXX XXXXXXXX XXXX contract is legally voided due to their willful violations of the Military Lending Act. I submitted proof the XXXX XXXX XXXX themselves voided the contract and changed the terms due to their violations of federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have had a HELOC with Wells Fargo Bank for @ 9 years. During that time I made all the required payments. I called the bank in XX/XX/XXXX requesting COVID forbearance.They placed the account in forbearance without explaining to me that at the end of forbearance I would not be simply reinstated, but I would have to REAPPLY for the loan. Not one comment was made about the process. They requested numerous and detailed documentation of income and financial status which I supplied. In the end they decided not to grant me the loan because my income has declined ( I am XXXX, work as XXXX  3 days a week in a practice I have owned since XXXX and my wife had to retire due to COVID ). My complaint is that I WAS NOT INFORMED that I could be denied credit if my financial status had changed. I thought they would simply reinstate the loan. I would have not entered into forbearance had I known! Needless to say I am very angry. I spoke with upper management and they just said that this was a new policy with the bank and there was nothing that they could do. Im sure the bank is protected in the small print of the HELOC contract but I should have been told UP FRONT IN PLAIN ENGLISH what was going to happen. Hope you can help. thank you.

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 2023-12-18
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: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Mercedes Benz Financial Services
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:
I am writing to address a serious matter related to the inaccurate and incorrect information being furnished by Mercedes Benz Financial to the consumer reporting agencies. This inaccurate reporting has caused significant harm to my character, reputation, overall well-being, and has negatively impacted my ability to obtain credit for personal and housing purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: FL
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'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2016-08-10
Company: GREAT LAKES
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
While I have not been personally affected by this issue, it was discovered that when you pay off a student loan with Great Lakes, they calculate 10 days of interest. If they receive your check prior to that 10 days, they do not refund the money unless it is greater than {$5.00}. This fact was directly stated to me by Customer service. Of course this is a relatively tiny amount of money, but multiplied by possibly XXXX of transactions, I believe they could be receiving a large amount of on unearned money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: GA
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:
I request the credit report agency to investigate the false collection. They reported back to me stating that it's accurate. I did thorough research, and this account is inaccurate. 
Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$590.00} XXXX XXXX XXXX or XXXX XXXX In accordance with the fair credit report act XXXXXXXX Account XXXX, has violated my rights. 
15 U.S. Code 1681- Congressional findings and Statement of purpose. It also states a consumer reporting agency can not furnish account without my written instruction.

I attached the response from Equifax credit report agency ; regarding the investigations I requested from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Reporting illegal utilization on credit reports

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: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using Paypal for my freelance business for three years. I received a notification yesterday that they would start holding money I made over {$300.00} for up to 21 days. When I called to find out why, Paypal stated the account had been reviewed, but they couldn't give me specifics. I spoke to multiple supervisors and got the same answer : A review had been done of the account and they determined to hold any money I made over {$300.00} due to a " risk assessment. '' They told me that it could change during review next month, but they refuse to explain why, after three years, they are restricting my account. I've had no complaints or anything to warrant them placing holds on my account. From what I can gather, it appears that whoever looked at my account thought I was selling goods through Paypal that would allow customers to complain. However, I am a XXXX XXXX and XXXX XXXX XXXX XXXX. I don't even get paid until the services are complete, which eliminates the risk to Paypal. When they are holding my money, without cause, for 7-21 days, I'm unable to feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: OK
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: DC
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I applied and received two credit cards from Orchard Bank ( Now Capital One ) on XX/XX/XXXX. I then choose to close the credit card account on XX/XX/XXXX of XXXX which I have documentation of this. My last payment that there showing is XXXX of XXXX. XXXX XXXX XXXX apparently purchased the debt that was owed on XX/XX/XXXX XXXX. My understanding of the Statue of limitations would had this debt Time barred by this point. I disputed this through all three credit reporting agencies with no success. XXXX XXXX XXXX is still reporting this Debt and is damaging my credit. I need to have this resolved as I have tried repeatedly. I would greatly appreciate your help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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