BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Covid Loan Modification : I originally was informed about Covid loan modification in XXXX XXXX  I was informed that the months that had not been paid ( approx 12 ) would be added to the back of the loan. I applied in XX/XX/XXXX and despite calling consistently for updates, did not receive a response until XXXX XXXX The modification added 15 years to the loan. I spoke to customer service who initiated a new application according to the original terms I was told in XXXX XXXX This application was approved in XXXX and sent to the wrong address, so I received it 20 days into the 30 day response period.. Additionally it had my ex-spouses name on paperwork, which needed to be removed. Due to receiving the information late ( wrong address ) and the need to update names, I was told the application response period closed. I applied a third time, and the covid modification was denied. I was told underwriters denied the modification because my house burnt down ( information Id given them nearly one year prior ). I asked ( and did not receive ) clarity on how it had been approved prior. I was told about XX/XX/XXXX, that I needed to pay approximately $ XXXX or face foreclosure on XX/XX/XXXX. This caused me significant distress resulting in the need for emergency care. Upon leaving the hospital on XXXX XXXX, I paid the owed amount. I then learned that Carrington had reported the delinquent amount to my credit while I was in the hospital on XXXX 
Loss Draft : My house burnt down in XXXX XXXX When Carrington received the insurance check they held it, saying that I had a cloudy title. Upon researching the lien number with the county records office and bank, I found that there was nothing tying the debt account ( from another individual ) to my property. Carrington got it wrong, provided no explanation and held my check for nearly 2 months while I had to do the research to figure out their error. This significantly shifted the rebuild process and increased costs due to the time of year ( weather ) and inflation. I can no longer afford to rebuild my home, which will cost me over XXXX XXXX Further their negative credit reporting impacts my ability to purchase. 
Carringtons misleading Covid modification information, extremely delayed process, wrong address, coupled with misinformation, erroneous cloudy title and a mid-year policy change has resulted in the loss of my house and ability to rebuild or purchase a home with insurance funds. Ultimately they have forced my hand to use insurance funds to pay off the loan and have caused extreme limitations to me securing an actual dwelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is for an captial one spark business card. Due to 120 days past due from me being XXXX XXXX XXXX XXXX XXXX XXXX capital one restricted my card. My mom sent payments in manually to the mailing address for capital one. I have never been late prior to my neck injury in XXXX 2022, I had an exceptional payment history. I ask capital one as goodwill to reverse the XXXX late reporting and they refused even though I had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 120 days late reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter to XXXX, Equifax, and XXXX regarding unknown and inaccurate things on my credit report. To this day, I have only received template stall letters from Equifax, XXXX, and XXXX. I feel like I'm being taken advantage of and being ignored. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these unverifiable items from my credit report. It has been 5 months, since I notified the credit bureaus of fraudulent accounts appearing on my credit reports.These items should have been removed a long time ago. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. 

My personal information was also impacted by the Equifax data breach, XXXX XXXX XXXX, and other companies who had their systems breached. My personal information has gotten into the hands of the wrong person. The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports as being accurate. However, XXXX, Equifax, and XXXX, nor the ccompanies appearing on my credit report, have yet to send me a contract containing my signature.I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency ( XXXX XXXX XXXX ). If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : EQUIFAX MORTGAGE XXXX XXXX XXXX Equifax : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : My ONLY Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
I'm sending this complaint to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 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 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 2023-01-23
Company: EQUIFAX, INC.
State: GA
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 # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-03-08
Company: Resurgent Capital Services L.P.
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:
My ignorance of the credit laws should not be the reason the cra 's, creditors and collection agencies abuse my rights to privacy. I have been trying to get these accounts dealt with properly. Both accounts, XXXX and LVNV have repeatedly verified this information on my credit report. According to Metro 2, consumer law and factual disputing, these two accounts have violated my rights. I'm getting very frustrated with the way this is dragging on. And every dispute has copies, evidence attached. I was trying to get a refi, and was denied for these accounts. All they do is verify. If you look at my credit report, you see the inconsistencies I have the right to privacy. I didn't give any one permission to share my non public information. At this point, they are willingly and knowingly causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
The consumer reporting agencies has failed in the DUTY AND OBLIGATION to conduct an investigation of their own when ever consumers sends in disputes with wrong information being runished. Conspicuously and XXXX  % accurate and XXXX  % correct. Which they clearly have failed to do which has gotten me denials for credit in the hardest financial situation to man. XXXX XXXX XXXX has clearly violated the FDCPA on numerous occasions as ill attached below. THE information being furnished by XXXX XXXX XXXX has been changed before and has been deleted/remove from all XXXX Major reporting agencies and not XXXX time have I gotten a letter/NOTICE of information being reinstated before XXXX business day its furnished back into a consumers file. VIOLATION. If XXXX XXXX XXXX XXXX it did in FACT SENT NOTICE OR LETTER I hereby request proof of any of those claims and or documents. Lastly XXXX XXXX XXXX has certified and verified that the information being furnished in all XXXX of my consumer file are accurate when in fact its beyond accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXXMember ID XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX, Transunion ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT ACCOUNT Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX ( original Creditor : XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX $ XXXX ( XX/XX/XXXX ) XXXX XXXX FS XXXX {$12000.00} ( XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX Without prejudice, all natural inalienable rights reserved.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-07
Company: DISCOVER BANK
State: TN
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:
On XXXX XXXX, a fraudulent purchase of {$980.00} was made from XXXX through a 3rd party app called XXXX. The purchase was a laptop that was sent to an address in XXXX, Tennessee with my same name. I live in XXXX, TN over 4 hours away and have never lived or visited or do not know anyone in XXXX TN. After doing my own researching, the address sent to in XXXX, the complete address was misspelled that it was sent to from the XXXX. I have disputed this from the beginning. XXXX customer rep that I talked to knew it was a fraudulent charge but could not take it off and told me to file a dispute with Discover. I immediately cancelled that card and I got sent another card from Discover. I continued to use the new card with a different account number. I filed a dispute with Discover. The initial dispute was not filed correctly by Discover customer service and it came back against me in XX/XX/2022. I appealed that and talked to the fraud department at Discover and they were very nice and apologized and seen that it was not filed correctly. They temporarily gave me credit while it was being disputed. I noticed in XXXX that my bill had gone up drastically with no big purchase being put on it, so I contacted Discover. I wanted to talk to a manager, XXXX XXXX Ohio XXXX, and was informed that since my name, address and email was on the account, and I continued to use the card, that I was liable for the charge per the investigation that was done. I also cancelled that card and had a replacement card with a new account number. Unbelievable. If the investigation is no more thorough than this, they need new investigators. I am being fraudulently charged by Discover, as a consumer of their company who has always paid my bill on time. This is not right and needs to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have called the 3 credit reporting agencies multiple times, XXXX, XXXX, Transunion to please

correct the personal information on my account. The have not corrected the inaccurate information they are reporting. I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.
I called on 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 2023-01-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I began noticing tech schemes with internet access which carried over to the banking account by transfer managers of micro-management February 4th-5th, 2019 concerning e-billing. It's happen before in 2018, so I got very suspicious of the act because it involved a banker releasing private information. I was notified that I was possibly affected once before by the Suntrust Bank Team, but  never compensated for it and they just covered it up. This time they authorized a payment I didn't authorize and it was in dispute with a the corporation. Provided that terrorism, corruption cases, money making schemes, environmental health & safety could be at risk I asked Suntrust not to get involved with the payment process. Suntrust fraud team member XXXX agreed it was not to processed, I should not concern myself about it as long as I didn't authorize the transaction. They paid the over charges from the account causing the account to overdraft and now they expect me to cover the cost of something they did without my permission before inquiring of the bill. That's not how e-bill suppose to operate. I'm currently in the process of stopping the payment they caused, and it's in XXXX going on XXXX. Which will cause over drafting for the following month.

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