BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX. Account number. XXXX has violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer

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 2023-09-01
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX I purchased {$500.00} dollars in bitcoin on the cashapp app. 

Because I was going to have " XXXX '' on XXXX to invest it to make me money in bitcoin mining. 

I soon after sent her or him two separate bitcoin transfers of {$250.00} dollars and {$240.00} dollars in bitcoin to the Bitcoin address server XXXX XXXX few days later got the email invoice from XXXX asking me to pay an extraction fee of {$1600.00} to receive my profit. 

XXXX never told me about this. This wasn't the agreement I made with her or him. 

I thought this business proposition was real because there was video testimonials of other people on XXXXXXXX XXXX XXXXXXXX profile saying and demonstrating this was legit. 

I contacted the cashapp company about this. And asked for my {$490.00} dollars sent back to my cashapp account since I now know this is a scam. But the customer support agent named " XXXX '' on Cashapp told me. " Cash App is unable to reverse a bitcoin transaction once it is initiated. ' That doesn't seem right to me that Cashapp is just going to let this scammer, or these scammers steal from me, and continue to steal from others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not owe any debt to this place. Ive never had an account with them. They called me 8 times within 7 days. They called me TWICE A DAY on 4 separate occasions. That I have record of they have called me 2x on XX/XX/2022, called 1x on XX/XX/2022, called me 1x on XX/XX/2022, called me 2x XX/XX/2022, called me 2x on XX/XX/2022, called me 1x on XX/XX/2022, called me 1x on XX/XX/2022, called 1x on XX/XX/2022, called me 2x on XX/XX/2022. This is just what I have proof of but they have called me more than that. The week from XXXX XXXX they called me 8 times ( more than 7 times within 7 days ) When I talk to them they will not give me any information about who is calling, what they are calling about, they didnt tell me of any debt I owed. When I called them to ask questions they still could not tell me why they were calling me or how they have my name and phone number. It was disruptive to me at work and on the weekends at home. Im worried this JP Morgan is going to have fraud put on my credit report from debt I dont owe. The two numbers they always called me from are XXXX ( XXXX ) XXXX and ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing. 

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, Equifax, and XXXX are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out. 

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: EQUIFAX, 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'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: OH
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 OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
spoke with a representative who no matter the times i declined to reconsolidate a loan of XXXX yrs due to i am physically unable to work anymore and i am retired. i am not able to pay anything on this loan. my health for the last XXXX yrs has been a challenge. the conversation frustrated me aand i am already depressed from having to had retire XXXX from the XXXX XXXX. employed over XXXX yrs. not what i expected at all. Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In Reference to Complaint XXXX The response provided to me and you the CFPB by my mortgage company RightPath Mortgage is inaccurate at best and at worst just a Flat out Lie being given by them to avoid taking responsibility for their poor actions toward me the consumer. When I complained that they caused me to lose my modification plan with more favorable terms by not making provisions for me to make payments on it on time, they said they have no record of me ever calling in to even try to make a payment on my original Trial Plan. That is completely FALSE. 

They would never accept or allow me to make a trial payment on the modification given by the prior servicer in spite of my making numerous calls to attempt to make the payment... I was repeatedly told they have no record of the modification and no way in their system to process the payment and told me to just wait until my complete file has been transferred over. This began in XX/XX/2022 when the first payment was due and continued. On XX/XX/2022, I emailed the Modification Assistance department about the problem but NEVER got a response from them at All ... nor did they make the adjustments to give me the ability to start paying. Below is a copy of the email that I sent proving that I contacted them complaining that I was trying to pay but could NOT due to their system 's inability to accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have received an invitation in the mail from Marcus by Goldman Sachs to apply for a personal loan in last quarter of XXXX. They declined my application. Although I was surprised ( my credit score is pretty good ), but I assumed that they have their specific risk criteria and I let it slide without objection. However, I have received an email from them on XX/XX/XXXX that I am eligible to reapply and basically makes you believe that this time I eligible and just need to review my loan options and that reviewing my loan options won't hurt my credit. ( email attached ). However, when I checked my " loan options '', the declined my application again and said that my credit score can change. ( also attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 demand immediate action from the TransUnion Credit Bureau to dispute certain accounts in my file resulting from identity theft. This is not the first time I have contacted you about this issue, and it is unacceptable that my information has been exposed in the XXXX data breach, yet appropriate measures have not been taken to protect it. The account you are reporting has already been deleted by other credit bureaus, and under the Fair Credit Reporting Act ( FCRA ), credit reporting must be 100 % accurate. It is imperative that you take immediate action to rectify this error by removing the said account/information from my credit report as soon as possible. Any inaccurate or misleading information can severely impact my creditworthiness, which can have significant long-term consequences. I expect you to act with the utmost urgency and professionalism to ensure that this situation is resolved promptly, as any further delays or inaction will not be tolerated. I need the account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, deleted from my Credit File as 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: IN
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
hello, dates : XX/XX/XXXX XXXX, 2022 company : PayPal Holdings , Inc. 
website : paypal.com hello, i have problem with my paypal account. they ban permanent my account without confirm or notification. at XXXX XXXX, they need to input some information from me like goverment card, bank, etc. but i didnt get reason or anything after that. after some days, i checked my account and i got ban permanently. 

i think i didnt do violation of TOS or anything. i just use my paypal to received money from XXXX and XXXX. my paypal account age was almost 10 years. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MD
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX  Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2021-12-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have been on forbearance plane due lost my job in COVID-19. My loan server was XXXX XXXX. On XX/XX/2021 we have reached to an agreement to modify the my mortgage modification, we went throw the modified agreement/contract. My monthly payments modified to be suitable with my current financial situation which it is {$1700.00} a month. I started the payment trial period, I submitted my first and second monthly payments on time. When the third and last trial payment approached I called XXXXXXXX XXXX to make my last trial payment and they refused to take the payment due the change of loan server to Shellpoint. 

I called Shellpoint to make the payment and they refused to take the payment due to the documents was still not received from the XXXX XXXX. They asked me to send the modification agreement to them so they speed up the process. I forwarded the loan modification to Shellpoint and I tried to call the point contact for my loan and she never called me back, I kept calling customer serves and they transfer me to the point contact but she never answer or called me back. 

I recently received a letter for loan modification they did on their own that I have no idea what are the terms of modification they did but I know the monthly payments jumped to {$2700.00}. Again called them and sent email and I have no answer at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Genesis FS Card Services, Inc.
State: AL
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 act credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the rights of privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This request is about information that is reporting on my personal credit report from the credit bureau listed above. I am formally disputing this debt and I am requesting a validation of this debt. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 

Under the Fair Credit Reporting Act, Fair and Accurate Transaction Act and Fair Credit Billing Act I have a right to request proof that I have a legal obligation to pay the alleged debt to you. Please provide me with the name and address of the original creditor, what services were performed, a detailed history of the account, copies of documents bearing my signature where I agreed to pay this debt. 

I am pretty sure your company knows that while this account is in dispute, you are not supposed to continue trying to collect this debt or report to the credit bureaus regarding this account. If you do, it will be a clear violation of the FCRA, FACTA and the XXXX. If you do provide me with the requested information, I will require 30 days to review the results, at which time collection activity must continue to be on hold.

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 2023-05-08
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello I had a {$10000.00} pay cut. I lost a job. I just got a second job plus I have started XXXX and XXXX XXXX to catch up on my bills. Every month Im getting a threat to get my car repossessed by GM Financial. I feel that we are still in a pandemic and people are still struggling financially. Im make a payment each month and they are wanting two payments now in order for me to keep this car. I have less than 2 years to pay it off and I dont want to give it back. There should be something that companies can do to help with situations like this. Its XXXX stressful and causes XXXX and XXXX.

Company response to consumer: Closed with explanation