BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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:
My name is XXXX XXXX and this is a statement verifying my proper identity. There is incorrect information on my consumer report that continue to appear on my report. Remove all old address information other than what is shown on my identification, and I don't reside at any of the other addresses listed on my 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 2019-07-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint involves the XXXX XXXX XXXX credit information, Account # XXXX { Please refer to the attached } on my Experian Credit Report/File. 
Although this is not a negative account, it is still not ACCURATE because I have never dealt with XXXX XXXX. I have tried to dispute this account with Experian some years back, but they would not remove it. In fact they placed a BLOCK so I am not allowed to dispute it again.This account is now PAST 10 YEARS OLD, and they still have not removed it.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  had reported 30 day past due on my account for XX/XX/2021. I was never late. Payment shows I made all the payments on time, therefore an error had occurred and needs fixing. Statements had been requested since they don't offer statements older than 24 months.

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 2022-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Equifax and complained about a fraudulent account appearing on my credit report ( XXXX XXXX XXXX  XXXX Credit card Account number XXXX and XXXX XXXX  XXXX Account number XXXX ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the XXXX bureaus, XXXX and XXXX were able to validate my claim and remove fraudulent account. Equifax is the only one that has yet to remove the fraudulent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I spoke with my mortgage company in XXXX asking them the impact on the escrow for the deferred payments, I told them I did not want my escrow to increase once I have completed the fb and subsequent deferment. They said my payments would increase so I advised I would make a payment for all the past due escrow payments to avoid this, the agent processed a payment over the phone for me for {$5700.00} and posted to escrow. They said ok, I was contacted advising me that my COVID forbearance was coming to an end and that they could either extend it another three months or complete with a deferment to the end of my loan. I asked them to extend, they went on to tell me that more than 12 consecutive months can not be done so I would have to pay for the XXXX payment and that they would give me a fb extending me thru the end of XXXX. I asked them how that is an additional 3 months?? That is not three months. A couple weeks later I received a letter detailing all of the payments owed, the payments included the escrow I had already paid. I called them and advised them that the payments indicated in the deferment letter was incorrect. They told me that regardless of me paying the escrow, they will still put the entire PITI at the end of the loan. I told them that is not correct and requested that they reverse the payment posted to escrow, conclude the fb and defer the payments, and then use that money to post the next two mortgage payments with the overage to principal. They said ok. In the interim, I received a collection letter advising that I did not qualify for forbearance or deferment. I reached out and they said the letter was incorrect, they asked me again if I wanted the fb and I said yes. I asked them about the money I sent that was reversed, they told me they will not be refunding this as it has been too much time. I called again, XX/XX/24 asking about the money and the outcome because I was supposed to receive an escalated call back and did not and it had been a week. They sent me to the resolutions team and I spoke to XXXX and she confirmed I am on a fb and that the money was not in unapplied but had been posted to payments!! I told her the whole situation and told her that I at no point advised them to post any payments while I am in fb. I told them that if they concluded the forbearance and completed the deferment that it was to apply to payments due going forward! She advised me that she will have to talk to upper management to request approval to reverse the payments posted and refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
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:
There are accounts, an address, and inquiries that are listed on XXXX credit reports that do not belong to XXXX, nor do I have any knowledge of them. Please remove them in its entirety from XXXX credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company failed to pay my taxes in XXXX. They did not notify me at all. I did n't find out until I went to the courthouse to get proof of residency to register my son for school. They have since sold my loan to a different company and wont tell me anything. My taxes were sold XXXX XXXX, XXXX. No one will tell me where the money I paid for taxes is.

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 2023-03-18
Company: EQUIFAX, INC.
State: AR
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00}. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XX/XX/XXXX I requested an investigation because I felt the item is not being reported legally, and I received documents dated XXXX XXXX 2021 and XXXX XX/XX/XXXX2021 stating that their investigation was complete. Transunion and XXXX claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. Transunion has not sent any proof from any of the alleged creditors to proof this alleged debt. 

Notwithstanding, Under 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I have not ever given my consent to furnish these debts owed to me. Therefore, it is identity theft.

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 2023-09-28
Company: PREFERRED CREDIT INC
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/23 a fraudulent credit card by preferred credit was opened in my name using my social security number. I have contacted the merchant to get this fraudulent credit card removed. I did open this card and ask that it be removed from my credit profile. 

Preferred credit XX/XX/23 {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Aargon Agency, Inc.
State: NV
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:
I reviewed a current copy of my credit report and show that items listed are incorrect and viloations due to FCRA and also FDCPA. The alleged account AARGON AGNCY ( Original Creditor : XXXX XXXX XXXX. Account number listing on my credit report is XXXX. I attempted to contact the debt collector with no successful of showing that I owe any alleged debt and I also contacted the credit bureaus that reflect such alleged debt and neither have relied and is over 60 days and is a direct viloation of FRCA. Also, I understand per the law that a collection/charge can not report and open balance and must report as {$0.00}. This alleged debt is showing an open balance in the amount of {$1900.00} which is a direction viloation of FDCPA. Please delete this account.

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 2017-11-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Yup sure, since last 10 days my account is temporarily disabled i did go on XXXX and do XXXX to XXXX sending 5 time emails 2 time called on help line support still no response in my account XXXX $ usd .my whole Bussiness is stuck because of coinbase just give me answer how to re open my account .... thanxs to read me ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MT
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX  Date opened XX/XX/2019 Balance : {$0.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate. 

Lastly, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXXXXXX XXXX has false information and false reporting on my Credit report. The XXXX XXXXXXXX XXXX has not provided me any original documentation required under Section 609 ( A ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) and under Section611 ( 5 ) ( A ) OF THE FCRA-you are required to " promptly delete all information which can not be verified. The XXXXXXXX XXXX XXXXXXXX has it reported on my report that the account was open XX/XX/XXXX marked payed/closed XX/XX/XXXX last payment XX/XX/XXXX. ITS stated on my report that this is a 39 month term from XXXX XXXX which would expire on XXXX XXXX which there are no miss payments in XXXX as reported in my credit report. ITS reporting that there was a miss payment XXXX XXXX, I am requesting Information regards to this late payment or delete this item from my credit report within 15 days of receiving this complaint.

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 2023-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: TD BANK US HOLDING COMPANY
State: HI
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: Card was charged for something you did not purchase with the card

Complaint:
I had a fraudulent charge made on XXXX using my credit card number. I disputed the charge with my credit card company, TD Card. TD Card denied the claim on case number XXXX and referred me to XXXX. I contacted XXXX and was told that they had the order flagged as a fraud and that they refunded the money back to TD Bank. They explained that there were numerous incidents in XXXX of someone ordering phones online and having them sent to the XXXX XXXX using fraudulent credit cards and personal information. They would then, after approval, change the name of the person picking up the phone to their name so that the ID matches the person picking up the item. I detailed this on CFPB complaint number XXXX. I am refiling this complaint because this is the only method in which these people will communicate with me. In the reply from TD Bank employee XXXX XXXX, he states that he sent me a reply. That is false. The only reply I got was through the reply to the CFPB complaint. XXXX XXXX also states that he " contacted XXXX @ the number provided, they were unable to assist us in verifying the transaction as fraudulent ''. I contacted the XXXX Order Review Team again and they confirmed that someone from TD Bank called at the end of XXXX, but XXXX at XXXX told me that they told TD Bank that the order was flagged as a fraud and that the funds were returned to TD Bank. He also said that they provided all of the information asked for by TD Bank. This is a direct contradiction to the reply from TD Bank. Can CFPB please have an investigator call the XXXX XXXX XXXX XXXX at XXXX and provide order number XXXX and they will verify all of this. I can not get a reply from XXXX XXXX of TD Bank either through numerous emails or by phone. He will not reply. I have never had any communication from them. I have already sent my congressman a request for intervention and will be contacting my state attorney general for assistance today. All it takes is for someone to call XXXX and you will see that I am in the right here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report shows a late payment on XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

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 2023-09-22
Company: Netspend Corporation
State: GA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX opened a joint NetSpend all access account without my consent and had my Georgia unemployment checks sent to this account. I contacted NetSpend and was told that they would close the account and return my money back to the sender but they never received the money. This was in XXXX of 2020. I am now being told that they closed the account and sent the money to the IRS but the IRS said they did not. I paid the taxes on this money and want my money. One check was for XXXX dollars and one for XXXX XXXX and some change. This is ridiculous and I want my money. How can you let someone do this without my consent.

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 2021-05-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am viewing inaccurate name variations, date of births, also accounts are not complete and reported fairly across boards.

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