BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
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:
Account name : 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 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 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 2023-06-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My parents had a reverse mortgage with XXXX XXXX XXXX XXXX XXXX XXXX. My father died in XXXX, and mother in XX/XX/XXXX. I am the executor of her estate. On XX/XX/XXXX, I informed XXXX in writing that I would refinance the mortgage and pay them off. I was in touch with them dozens of times between XXXX and XX/XX/XXXX via email and phone. They advised me that I could request up to two 90-day extensions. I requested the first extension which should have expired XX/XX/XXXX. On XX/XX/XXXX, they served Notice of Foreclosure. Ultimately, I closed on a mortgage on XX/XX/XXXX and did pay off XXXX ( which became Carrington Mortgage Service in XX/XX/XXXX. ) Included in the payoff was XXXX 's legal fees for filing the Notice of Foreclosure. On my attorney 's and my lender 's advice, I did not object to the pay-off amount because it would have scuttled the settlement. After the settlement, on XX/XX/XXXX, my attorney sent a letter to Carrington Mortgage Services attorney, XXXX XXXX XXXX, requesting that they return the legal fees. LOGS did not respond to that letter. On XX/XX/XXXX, I forwarded that letter directly to multiple email addresses at Carrington Mortgage Services. I received no response. I also incurred legal fees in having my attorney respond to the Notice of Foreclosure. It is my belief that XXXX customer representatives never processed my request for the first 90-day extension and that their outside attorney proceeded with the Notice of Foreclosure because of that failure to process the request. I understand FHA requires the availability of extensions. I provided the information that XXXX asked for in support of the extension request. Not once has XXXX/Carrington or their attorney responded to an email or letter requesting specific acknowledgement of receipt of documentation or of the extension decisions for which documents were submitted. The attached documents indicate the nature of my email communication with them - multiple representatives get in touch about extensions or short sales or the apparent absence of documents already submitted- no representative could pass me to a higher authority capable of rendering a decision. It seemed exactly like a shell game - one that cost my mother 's estate almost {$5000.00}. The attached documents include emails, letter, statements and email/phone log.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: LA
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:
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal of these accounts they also violated my rights under. 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. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXXXXXX Equifax- XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax has continued to report fraudulent inquiries that I did not authorize or give consent for. I am a victim of identity theft and these fraudulent inquiries need to be removed immediately. I have already submitted an identity theft affidavit to support my claim. XXXX XXXX XXXX, XXXX XXXX, need to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: LA
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-02
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: Account information incorrect

Complaint:
The number of terms listed on my credit report for account XXXX ( XXXX ) is inaccurate as Experian and XXXX data is not consistent across each credit bureau.. please delete account for inaccurate reporting as this is a violation.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Experian, I, XXXX XXXX, have written this dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2200.00} PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$16000.00} I am disputing this claim ( s ) due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRADULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off of my credit report. Enclosed may be additional evidence to support my claims. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
Hi the only name I go by is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This issue has been reoccurring since last XXXX with the 3 credit bureaus. I sent in documents on multiple occasions showing the address that were on file was not mine, I even sent in my drivers license and proof of address. I asked for the information to be updated and they still to this day refuse to update it. I explained that there were multiple accounts that I did not have access to and for them to send proof as to where they're receiving this information. They have yet to send proof. After the 3rd letter around XX/XX/XXXXI asked them to delete the accounts and the addresses that didn't belong to me and they ignored me. I know I'm not a professional company but I feel as thought they're being rude and not honoring my rights as a consumer. The accounts that I asked for proof of are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 made a purchase. Half a {$150.00} within XXXX XXXX, XXXX, which was the merchant canceled and flag the order because of the credit card they have now and even me on for days and days and days. Everything all persons saying something different are how many days I have to wait for? My account to reflect the money that was taken and put on hold for the merchant. They are ready to payment out of my bank account. And they are not reflecting that onto my account. Every time I talk to somebody something different. Are they hanging up on me? Each supervisor is unhelpful. They all just tell lies and different time frames. First XXXX XXXX now XXXX XXXX now. The XXXX order is not even showing that it was even made. XXXX inside took a picture of it because they couldn't tell me why that happening either to me. It seems like it's fraudulent. Activithey took a payment. Then they try to tell me that it's XXXX that has ahold of it. I've spoken to XXXX several times they gave me the transaction code twice. They never even got it to the next level. Because it was flagged aninterminated by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I worked with XXXX XXXX XXXX XXXX to settle my XXXX credit card. They told me the account was in a precharge off status and they offered me a settlement of {$780.00} due on or before XX/XX/XXXX. They said if I don't make the payment or if the payment is late then the credit card would charge off. I made the payment on XX/XX/XXXX for {$780.00} over the phone with my routing and account number. They said they would update XXXX so XXXX can update the credit bureaus. XXXX   updated my report saying that i made " payment after charge off/collection settled - less than the full balance ''. I was confused so I called XXXX XXXX at XXXX XXXX XXXX XXXX who is a collection supervisor, I explained that I settled the account with them and I asked him if the account was charged off when I settled it. He said no it was definitely not charged off and his company updated XXXX   that it had been settled, he told me I would have to contact XXXX  because they are the ones that update the credit bureaus. I called XXXX  and explained the situation. I talked to a couple representatives, one said that because I settled the account that means it was charged off and that is why it reflects that way, which is completely inaccurate information, she claimed she would put in my dispute. I talked to another person at XXXX right after that and she said she wasn't sure why it would update like that on the credit report, and proceeded to say it was probably an error in timing and when XXXX XXXX XXXX updated XXXX, she said she would put in a dispute. She then proceeded to give me the phone numbers for the 3 different credit bureaus and said to have them call XXXX to confirm the way that the account should be reflecting, that it was settled, not charged off. She also asked for my permission to speak with anyone from the three credit bureaus about my account, which I gave them permission to do. I called one of the credit bureaus and waited on hold for an hour, and when I got a live voice on the phone I told them what XXXX told me and asked them to call XXXX to verify how my account should be reflecting on my credit report - they refused to do that saying they don't make calls to creditors. I've wasted hours of time trying to get this resolved and still don't have an accurate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MO
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:
I have added a credit freeze on my report since XX/XX/XXXX. I was a victim of a robbery in XXXX and XXXX. My social security number was also exposed through Equifax XXXX XXXX breach and XXXX information breach.. I am still getting letters in the mail for credit getting denied for things I have not applied for. I still have over 22 credit inquiries on my report from the XXXX and current. I was told I needed to send a copy of my ID, and ssn, and bill. I did that last time the lost it. I want all inquiries removed from XXXX, all the way through XXXX. Also they even have a address that is incorrect and the information on all 3 reporting agencieshave different incorrect information.Their should be no credit report. No car no credit cards no loans. Why I am I still getting credit inquiries with a freeze on my report. I also want to be compensated for there mess up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2018, i received a promotional mailer from BBVA offering me a {$50.00} bonus for making 3 bill pay transactions by XX/XX/2018. The offer states that the {$50.00} bonus will be deposited to the checking account WITHIN 90 days of meeting the requirement. So I completed the bill pay requirements by XX/XX/2018. On XX/XX/2018 when i didn't receive the bonus I sent them an inquiry through their online secured meassage center asking for the status update. They replied stating i should wait till early XX/XX/XXXX when 90day has passed from XX/XX/XXXX, and that if i still don't receive then contact them back. So on XX/XX/XXXX of this year when i still didn't receive the bonus i secure messaged them back again, and this time they replied with apology and told me to call their customer service number to escalate the issue. I called their customer service number, after 45 minutes of waiting for a live person i finally got to a live person, but she was rude and unprofessional. She disconnected the phone before i finish my sentence. So i had to go back to their online secured message center again for help. 
But no responses to my message. Meanwhile, the {$50.00} that they promised still has not posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, XXXX, and Equifax are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ XXXX, XXXX XXXX Equifax ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the afternoon of XX/XX/2021, I was informed that Coinbase support has temporarily disabled my account because I may have been a victim of a possible scam. This was quite odd that this happened on the day after I submitted a trade on XX/XX/2021, to buy {$3000.00} cryptocurrencies. I replied later in the day that I did all the necessary precautions like antivirus scan and reset my password. I replied and several times later to restore my access to my account. I even filed a complaint with Coinbase support on XX/XX/2021, that they have not replied and still no action from them. Support did ask me to tried login in few times but still said disabled. They reply that an account specialist will reply with 4 to 5 business days. It has been a month and not action from them

Company response to consumer: Closed with monetary relief