BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
On XX/XX/XXXX Freedom Mortgage listed my account as being delinquent and threatened me with foreclosure, Freedom sent me documentation stating as such. 
However I have NEVER been late on my Mortgage payments. So on XX/XX/XXXX, I called and spoke with a Freedom Mortgage Account Representative named XXXX, and XXXX and I discussed my situation. XXXX admitted that Freedom Mortgage made a mistake. XXXX promised me that she would correct the issue with my Credit report as it was being negatively effected by Freedom Mortgage 's INCORRECT listing of my mortgage payments. After further consideration I realized that Freedom Mortgage 's inaccurate account of my mortgage account has negatively effected my credit report. So I called in again and spoke with XXXX, a supervisor on XX/XX/XXXX and she informed me that it takes approximately 10 days for my credit profile to be updated with the correct information. However, it was never updated. On XX/XX/XXXX I spoke with XXXX of Freedom Mortgage and he transferred me to XXXX, employee number XXXX who promised me that he would rectify my credit stating that I have never been late which would restore my credit scores. However as of today, XX/XX/XXXX this situation has not been rectified. Due to this, my XXXX XXXX has increased, my home owners has increased and my anxiety level has increased due to me having to pay more due to a mistake made by FREEDOM MORTGAGE. If FREEDOM MORTGAGE would have never made the mistake, then my credit scores would have never been negatively effected. As promised by XXXX, I was to receive a follow-up letter from Freedom Mortgage stating that the discrepancy was a result of Freedom Mortgage and that any and all negative information put out by FREEDOM MORTGAGE would be corrected by FREEDOM MORTGAGE and any and all negative information created by FREEDOM MORTGAGE would be corrected ergo Mr. XXXX XXXX would not suffer from adverse information that was put into circulation by FREEDOM MORTGAGE. A letter that was provided, XX/XX/XXXX was not sufficient as it did not correct the discrepancy nor did it rectify the damage that was already created by the initial discrepancy. 

Please assist me in rectifying this issue. 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 2021-07-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I need to Login to my coinbase pro account, but I can't because apparently they made me fraud and blocked my income, they also withdrew {$1000.00} without my authorization from my bank account XXXX XXXX  I need to solve me shortly I am very upset with you. {$7000.00} dollars in stock with you and I can not withdraw them since they changed my password, please, I need help to activate my urgent password or return all money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-13
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:
After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXXXXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/22 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/2021 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Complaints : XXXX. XXXX XXXX XXXX, IA XXXX Dear Madam/Sir : Sallie Mae misleadingly and fraudulently advertises that it allows forbearance and/or deference in several instances but does not. This is not the first time I was promised that I would receive a deferment or forbearance only to find that it was not processed, thereby leaving me in a lurch and forcing me to make a payment I should not have needed to make. 

I was notified that Sallie Mae gave me two months of deferment but the deferment was not applied in time so I had to make a payment in order to ensure the positive reporting of my account.

Not only this but I was still relying on the two months of deferment that it promised me but just received a notice that I am two months behind on my account and that it will be reported on my my credit report as a negative account. 

By furnishing false and misleading formation to the Credit Reporting Agencies, Sallie Mae is in violation of the Fair Credit Reporting Act, Federal Debt Collections Practices Act, predatory lending laws, multiple additional consumer protection laws, and multiple CFPB consent orders. Sallie Mae has been the subject of numerous complaints and enforcement actions by the government.

I request that Sallie Mae process my loan requests as it should already have and suppress any negative reporting until this issue is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
FCRA requires consumers credit report accurate and complete. 

XXXX XXXX XXXX XXXX # XXXX status states Chargedoff which is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. XXXX has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with Experian. Experian will not remove this account from my credit report without a written statement.

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 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 IN VIOLATION OF MY RIGHTS AS A CONSUMER ... I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.

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 2021-07-29
Company: CITIBANK, N.A.
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:
I previously had a case opened with the Bureau ( ID : XXXX ) which I was advised has been handled but I continue to have issues with my Citi Rewards Credit card # XXXX. My statement still shows that I owe {$60.00} and no one at Citi can tell me what this charge relates to. I have NOT been using this card and want to close the account as soon as this is cleared up. Please help. I've tried calling Citi 's customer service numerous times and they have no clue. I've never been more frustrated with a credit card. 

In addition, some of my statements no longer show up on Citi 's website so there's no way I can figure this out by myself.

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 2023-06-24
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX of XXXX XXXX sought me out on XXXX XXXX poses as a health coach who could help alleviate my XXXX I have XXXX XXXX. I know people target us for scams. I was skeptical at first but after a week of texting I thought I would give his supplements a try. I have screenshots of the conversation. I did not order through the website. I agree to send {$50.00} for product with {$10.00} shipping totaling {$60.00} that I cash app paid around XX/XX/XXXX. I chose cash app because they advertised to be against fraud. I usually use XXXX. I waited a week and asked if there was tracking. XXXX told me I had to pay another {$50.00} for fragile insurance. I sent a photo of the usps insurance and told him I dont understand why he didnt mention that a week ago when I ordered and I asked him to refund my money because Im XXXX and I cant afford it. He denied me and at that moment I knew I was being scammed. I attempted to call cash app and didnt get very far. XXXX I called my XXXX XXXX  and put in an investigation reversal claim. The money was back in my account XX/XX/XXXX. I was told hold on to proof because they will need it to come to a resolution. Just last week I noticed the {$60.00} that was reversed back to my account was given back to XXXX XXXX. I called cash app 3 times. They said a manger would email me and they never did. It was a very difficult and impossible process to be listened to. I asked cash  app and XXXX how they can conduct an investigation without speaking to me or notifying me. XXXX told after the fact I had lost the money again the third party cash app was responsible. So XXXX lied and cash app never contacted me. They investigated from XXXX XXXX XXXX without any notification. Because it was completed nobody would do anything to assist me with flagging the scammer. He received no penalization for stealing my money. I never received my product and he asked for more money via whats app. I went through the steps and cash app sided with the scammer. Since then I request the money back from XXXX by begging. I feel like he is scamming other people out of money. His website is XXXX I reported him on XXXX and the government scam fraud website along with cash app. I kept searching for other ways to stop the o justice and I found this claim center listed under XXXX XXXX. I have yet to place a police report but I plan to. I have proof and cash app wouldnt assist me. Their XXXX XXXX is very limited. Allowing fraudulent scammer like this person to flourish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: IN
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. 

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 non-monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.

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 2021-07-29
Company: EQUIFAX, INC.
State: NJ
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: NY
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  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: CA
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 ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$8000.00} ; XXXX XXXX Inquiry : XX/XX/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 2023-02-17
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX  agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.

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 2021-07-29
Company: EQUIFAX, 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:
This is a complaint against Equifax and XXXX, not XXXX. I had tried to go through the normal chain of commands by filing a credit report dispute on a closed/paid XXXX credit card that was charged off and is reporting negatively on my credit. After not yielding a justifiable response, I had filed a 609 dispute on XX/XX/2021. As per my understanding, this is a right afforded to me via the Fair Credit Reporting Act under section 609. Upon receiving my results, I was not provided with the documentation requested that validates my ownership and/or history of this account. This prompted me to file a CFPB complaint on XX/XX/2021. I had requested the same information from my original 609 letter dispute. I wanted to be provided with my wet ink signature on the alleged new credit card application, which shall also include my social security number and full legal name, or at the very minimum, what is being used to validate my ownership of this account. Instead, the CFPB was provided with a BALANCE letter from XXXX. This letter was dated two months before I filed a complaint ( XX/XX/2021 ). This balance letter states that my alleged account has a XXXX  balance. It contains no information validating the legitimacy/ownership/derogatory history of this account. This letter was uploaded to the CFPB portal and the complaints against XXXX and Equifax were closed. Had the bureaus verified the documentation provided to them they too would see nothing more than a letter saying I have a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: NY
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 did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$9000.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was 2 transactions of {$1800.00} taken from my account. I have never done business with this particular money. This was clearly fraud. I canceled the card and filed a claim in which I was denied.

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