BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This will be my second complaint against XXXX XXXX. My previous one Ref # XXXX almost caused me to lose my house due to their negligence and non willingness to help me. I'm writing this complaint because now they are trying to charge me a " Foreclosure Appraisal Fee '' for XXXX XXXX In their response to my previous complaint they said - " Finally, as a commitment to highest standards of customer satisfaction, the foreclosure action was cancelled and all foreclosure related fees and/or costs and property inspection fees will be waived. '' Why are they trying to sneak in fees that they caused themselves? If I didn't check my statement I would have paid this astronomical fee for no reason. I want to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2023, I received a debit card from XXXX XXXX for an account I did not open. I called XXXX XXXX the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through XXXX XXXX was still in process. I checked my credit report and found hard inquires from XXXX XXXX for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with XXXX without any notable investigation or success, although I have had success with TransUnion.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: MI
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding Experian, XXXX, and XXXX, the major credit reporting agencies in the United States. It has come to my attention that these agencies are not deleting accounts after the statute of limitation for reporting debt has passed, which is a clear violation of the Fair Credit Reporting Act. 

What is even more concerning is that these agencies are purposely not reporting the whole payment history to avoid deleting accounts. This is completely unfair to consumers and it is unacceptable that they are being penalized for the credit reporting agency 's own negligence. 

Furthermore, when requesting a dispute for the statute of limitation, Experian, XXXX, and XXXX have decided to place the full responsibility of the removal of accounts on the furnisher of the information reported. This is an unfair and unreasonable expectation to place on consumers who have no control over the information provided to the credit reporting agencies. 

I have personally spoken with representatives from Experian, XXXX, and XXXX and have been instructed to dispute all accounts with the furnisher, and they would decide if the information would be deleted or not. This is unacceptable as these agencies should be conducting their own fair and reasonable investigation into these matters. 

I urge you to take action against Experian, XXXX, and XXXX for their actions, and to ensure that they comply with the Fair Credit Reporting Act. Consumers deserve to have accurate and fair reporting of their credit history, and it is clear that these agencies are failing to provide this. 

Thank you for your attention to this matter. 

Sincerely,

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 2023-04-18
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:
XX/XX/2023, I received a debit card from XXXX XXXX for an account I did not open. I called XXXX XXXX the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through XXXX XXXX was still in process. I checked my credit report and found hard inquires from XXXX XXXX for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with Equifax without any notable investigation or success, although I have had success with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been receiving notices of failure to pay property taxes from XXXX County Tax Collector since XXXX of XXXX I called Amerihome to resolve the matter as soon as I received the first notice. I was assured the taxes had been paid and that Tax collectors do this all the time phishing for money. Well, the notices kept on coming. I call and Amerihome says the taxes have been paid. I get a final setoff debt final warning and that they will advertise in the paper that I haven't paid my property tax. I call a sixth time to resolve the matter and ask that proof of payment be mailed to me. The agent said that an investigation will be done and proof will be mailed to me in 7 to 10 days. A month goes by and still nothing. I called again, speak to a supervisor named XXXX. I request she over nite proof of payment and that she call me back to resolve this. She said she would indeed do that as well as send proof of payment to XXXX  County. None of this has happened. I call again and explain my situation and get hung up on. During all these calls I was always polite. After the call I call the county tax collector and initiate a three way call with tax collector on the line. We learn that payment was submitted twice via wire to a third party who was supposed to cut a check then mail to county but he sees that some how the checks never made it to the county, could we please hold briefly while he investigates. The AmeirHome agent never returned to the call. We held on the line for 45 min. Still XXXX  County has yet to receive payment and my details have been published in the paper as not paying property taxes. I have been receiving texts from unknown people asking if I own the property and if I wan to sell. Not sure what else I can do but file complaints with as many agencies as I can. And that's exactly what I'll do. One of my Neighbors is a State Senator. Perhaps I'll knock on his door.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-08-21
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2022-10-04
Company: Genesis FS Card Services, Inc.
State: MS
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:
On XX/XX/XXXX I received a fraud alert from Genesis FS for my Milestone credit card. I denied the payment and they placed a hold on the card. A payment to my credit card that I made to reduce my balance went through on XX/XX/XXXX. When I opened my account online their were other charges that I did not make that had come out. I am unable to log back into my account, I have called every number for Milestone and Genesis FS and the phone hangs up so I have not been able to talk to anyone or close my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2023-10-07
Company: EQUIFAX, INC.
State: GA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX  Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$7700.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
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: Account status incorrect

Complaint:
This is XXXX 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 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 2023-10-07
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My. Name is XXXX XXXX and I am XXXX XXXX XXXX. I have invested over {$200000.00} in portfolio of various virtual currency with Coinbase Inc. I was last able to log inno the portfolio on XX/XX/XXXX. In the early morning of XX/XX/XXXX, I was denied log in and strayed the process of resetting my password. I was only getting automated emails with directions to wait for 24 hours. I have yet to receive the reset password link. Six or seven hours later, on XX/XX/XXXX, I called their automated line wirh requests and was not able to connect with anyone at all or recieve any answers. I locked the account acvitity via phone - only option available and am waiting for any sort of update until now. These were my life savings and since I used my institution to transfer the funds, I have proofs and can show the total amounts invested. I am looking for a resulution of this horrible situation, since this has driven me to suicidal thoughts. 

I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: SC
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:
Hey, hope life treating you wonderfully. Anyways XXXX, XXXX  and Equifax deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: CA
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 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 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX. Ive been a victim of identity fraud. I have no knowledge of these accounts and would like these items deleted they have on my credit and I would like to get that fixed.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have had chime for 8 months I been getting direct deposits all this time then on XX/XX/20 my account was closed soon as I got paid XXXX I was in negative XXXX dollars they took my whole check I called chime they told me my account was not in compliance with there policy they wanted a explanation to ATM withdrawal I explained to them they told me to show proof of address picture of my social security card pay stubs i also took a picture with me holding my ID they got all these documents and told me I could not get my money they took all my money I sent them these documents more then once chime keep saying I'm not eligible for a refund I don't understand why when i sent them everything I been broke this whole time since this issue happened I have XXXX kids i been backed up on my bills my rent was due on this day when I got paid and they took all I had I'm a single parent all I want is what's owed to me the money I worked for I have been waiting all this time for my money I couldn't buy my kids no gifts because they closed my account soon as I got paid I will appreciate if you could help me get my hard working money back thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went into Kohl 's to buy some stuff. I was asked if I wanted a store card and I would get 35 % off on my purchase. I accepted thinking it was just a store card. Only after applying did I find out it was a credit card. I didn't know I was applying for a credit card until I was denied. This has devastated my credit and now I am set back in my credit rating for years. This happened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in distress over this and want this off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation