BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to JPMCB CARD, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit 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:
Once again, the CFPB closes my complaint without a response from me. Goldman Sachs has not addressed the simple, basic, fundamental issue at hand here : accreditation. The school has provided proof that I did their learning but has not provided proof that they are a legitimate institution. I can create a school tomorrow to teach people something too, does that make me accredited? 

I AM NOT SATISFIED WITH MY PURCHASE. < -- - This is the reason for my dispute. Accept it and move on. Stop fighting over a measly {$500.00}. 

The bank is also lying and stating that they attempted to contact me on XX/XX/23, XX/XX/23, and XX/XX/23. They did not. I have no phone calls or emails from them, they are clearly lying and trying to get themselves out of this situation with their lies. I assume if the CFPB isn't going to help me I need to escalate this legally against both Goldman Sachs AND the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, 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:
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 2019-04-26
Company: Movement Mortgage LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began working with a broker ( XXXX XXXX ) with Movement Mortgage XX/XX/XXXX. I wanted to refinance my current home, as it was to become a rental property and purchase a new home. I would have 2 transactions with their company. Over 3 months later, there was no progress nor were we moving forward on these transactions. 

On XX/XX/XXXX the broker ( XXXX XXXX ) informed me she was moving to another mortgage company ( XXXX XXXX XXXX ) and wanted to bring my accounts with her. It is my belief the broker was holding my file to take my business with her when she got setup with a new company, however, I had always expressed my desire to close as quickly as possible. I advised XXXX XXXX I wanted to move forward with Movement even though she was no longer employed there. In the meantime, XXXX XXXX, submitted an application, ran my credit and sent me disclosures through XXXX, even though I did not authorize her to do so! 

I started working with XXXX XXXX with Movement on XXXX. Ultimately I had to resubmit all documents and disclosures and application due to the previous broker ( XXXX XXXX ) never putting my info into the system at Movement. I paid {$1300.00} for appraisals for both properties ( My current home and the new home ) arranged by Movement and later found out XXXX XXXX ordered the appraisals and immediately put them on hold. No appraisals were completed and XXXX XXXX   service ultimately refunded my money. The process still seemed to not move forward. 

I decided this was not the right company for me to setup a mortgage with due to the lack professionalism, empty promises and lack of communication and I decided to apply with another mortgage company. I informed XXXX, from Movement on XXXX that I decided to go with another lender. I was advised by my new Lender, Movement sent in information to FHA and HUD stating I was a risk and Movement denied me for a home loan, which is not the truth! I lost my financing with the company I was working with and my lender was forced to find a new lender for me. I believe Movement made this claim to FHA and HUD as retaliation for me deciding to go with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by CONVERGENT OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation..

I am requesting deletion account from all credit bureaus. 

This is the account : CONVERGENT OUTSOURCING , INC . 
Opened : XXXX XXXX, 2020. 
Balance : {$1600.00} Original Creditor Name : XXXX XXXX XXXXXXXX Highest Balance : {$1600.00}. 

Please see the document attached.

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 2021-11-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Two debt validation letters were sent to the company Credit Collection Services. located at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX. The letters were sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Verisk Analytics 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:
I sent a letter requesting verification of my bankruptcy. Which I didn't get, I requesting that the bankruptcy should be removed. I also sent a copy of a letter from U.S. Bankruptcy Court that they don't report to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contracted American Advisors Group to Refinance my home in XXXX, and I paid {$220.00} for my half of the appraisal cost on XX/XX/2021. 

My contact is. XXXX XXXX, PRESIDENTS CLUB MEMBER, Reverse mortgage professional AAG | American Advisors Group XXXX ID : XXXX Phone : XXXX ext. XXXX Fax : XXXX Email : XXXX XXXX XXXX is Director of Marketing operations for AAG. Three days ago, I submitted a complaint to the California Department XXXX Consumer Affairs Bureau of Real Estate Appraisers I have not been contacted by an appraiser and XXXX XXXX has assured me that it has been assigned to an appraisal agency. I am in the conventional mortgage and real estate business, but other HECM lenders have told me that this is highly unusal length of time to wait. This is causing me a financial hardship, and I can not be told to wait again. Can you please investigate or assist in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase held a referral program where you make a referral, the individual purchases {$100.00} in crypto and you qualify to earn part of $ XXXX in crypto. For some reason Coinbase disqualified me and can not tell me why. Their program is fully automated and they have no way to determine why a reward was not paid. 

I made my referral on about XX/XX/XXXX, the purchase of the {$100.00} was shortly thereafter. There was an issue with payment not going through, an additional source of funds was added and the purchase was completed on XX/XX/XXXX, well within the program timeframe. 

Presumably the issue was the initial payment failure but given he purchase was completed within the timeframe ( by XX/XX/XXXX ) their " automation '' should have accepted the purchase as having completed the requirements. 

To me this is pure marketing fraud. They put together a marketing campaign they can not effectively execute on and the claim it is the automation 's fault. Their entire platform is automation. If they can not execute on a marketing program how can they accurately execute a crypto transaction. I reached out to Coinbase today and they are unable and/or unwilling to help. I expressed my frustration and have zero faith in them and thus indicated that I would be taking my business elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I alleged that Credit Bureaus are in violation of FCRA Section 605b, due of negligence to removed the fraudulent information in my credit file, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 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 2023-02-02
Company: EQUIFAX, INC.
State: IL
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE MY INFORMATION WAS RELEASED TO THE PUBLIC DUE TO THE XXXX, XXXX, EXPERIAN DATA BREACH. THERE'S PLENTY OF UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE ACCOUNTS ARE INACCURATE AND DONT BELONG TO ME AND IS HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM IN THE PROCESS OF GETTING A MORTGAGE LOAN AND THIS IS HURTING MY CHANCES. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED 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 explanation
Consumer complaint received 2023-03-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/ 2022 Truist bank, XXXX XXXX nc. forgot to send or lost my annuity transfer papers to XXXX XXXX XXXX to have my annuity transfer FOR FREE to a new IRA account at truist in XXXX XXXX transfer forms and new IRA account were signed XXXX, XXXX 2022 with investment advisor at Truist. i never found out until XX/XX/ 2022 that the funds were never moved when i wanted to purchase a new annuity. the funds auto rolled over into a 5-year annutiy in XXXX 2022 i did not want at a lower interest rate that a wanted. now it will cost me {$18000.00} surrender fee to move to funds. app. {$290000.00}. i have made complains to XXXX XXXXXXXXXXXX FILE XXXX, FDIC CASE XXXX XXXX WITH NO HELP. When i first found out the funds were not moved truist lied to me or misinformed me, what they stated. long story short truist refuses to do correct their mistake. I HAVE A LETTER FROM TRUIST STATING THEY WERE SORRY FOR THE ERROR AND INCORRECT INFORMATION I RECEIVED. BUT REFUSE TO CORRECT THEIR MISTAKE. I HAVE ALL DOC OF PROOF, BUT WEB SITE WOULD LET ME LOAD????????, CAN MAIL IF NEEDED.

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 2021-06-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt over a year ago. I do not understand why I still owe it. At this point I do not remember if I paid a different collection agency or if I paid Cash One directly, but I definitely paid someone. Once I learned XXXX XXXX XXXX  was still collecting a debt, I was confused but wanted this fixed. I tried to resolve this amicably by paying them to remove it, but they refuse. I dont think its fair that I have to pay twice on this account because I have already settled it a year ago. There should not be a balance, and this should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NM
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:
XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and provide me with the documents with the original signatures for the numerous fraudulent, unauthorized inquiries that are reporting on my consumer credit reports/files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call constantly. This big issue as medical debt, my information is under HIPAA protection. When they call to authenticate, the supply the information such as my name and DOB that they use to authenticate. This means anyone can just say yes and have access to my debt info with them. This is a backwards process that is a potential breach of PHI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 2023-08-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two separate loans from XXXX XXXX XXXX XXXX and XXXX which borrower defense discharged the XXXX. After removing the XXXX loan my score went up, then a week later experian re added it and my score dropped XXXX points. nenet the loan service has reported the correct balance but experian has not updated the info. This has caused me a big issue in my home buying process.

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 2021-06-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I have been submitting documents to my mortgage lender so they can review me for a loan modification. They continue to advise that they are not receiving my documents when we are getting an email confirmation. Something is going on with their intake team that this delay is not helping me. I need a manager or supervisor to get involved and help me save my home!

I don't need another excuse for them saying they never received any documents.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
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 Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX 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 response to consumer: Closed with non-monetary relief