BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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: Their investigation did not fix an error on your report

Complaint:
Experian failed to send a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed in compliance with the FCRA ) in a timely & responsive manner & is in violation of federal regulations. 

Because Experian is in violation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed from my credit file. 

Please send me an updated credit report with this information removed.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent a letter certified mail to Transunion on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX regarding identity theft on my consumer report. I'm not working with any agency or anyone I've spent the last XXXX educating myself to take bank my power. My father and my son have the same name as me so I'm not sure if our files are getting mixed up or what, but I have never been to college! I provided a copy of my report, signed and sworn notarized affidavit, FCRA 605 law copy, id and bill to identify myself provided documents to support my claim. You responded stating my accounts were verified and no block would be honored. Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U. S code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exist. This company continues to violate me by continuing to defame my character by reporting false inaccurate, unverifiable information. This is now Aggravated Identity theft, and in accordance with the Fair Credit Reporting Act the following accounts is a violation of my rights. If you can not provide the PROMISSORY NOTES with my wet signature as proof of verification then you have NO PERMISSIBLE PURPOSE to report, so without this information this is a Violation of 15 US Code 1681a ( e ) and the inserted accounts must be deleted from my consumer report. 
US DEPT OF EDU ACCOUNT # XXXX {$9100.00} US DEPT OF EDU ACCOUNT # XXXX {$17000.00} US DEPT OF EDU ACCOUNT # XXXX {$3200.00} US DEPT OF EDU ACCOUNT # XXXX {$3800.00} US DEPT OF EDU ACCOUNT # XXXX {$2200.00}

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: EQUIFAX, INC.
State: WI
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:
My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
- On XX/XX/XXXX I received an email from Gemini.com ( Gemini ) stating I was approved for an account with Gemini - XXXX XX/XX/XXXX I received an email from Gemini stating " Your identity has been verified! '' - On XX/XX/XXXX I received an email from Gemini stating " Thank you for reaching out! 
After further review, it appears you need to initiate a wire deposit in order to verify your bank account. '' Note : I did not take further action to fund my account because the XXXX XXXX was not working and so I thought, I'd give it some time and try again later. 

- On XX/XX/XXXX I tried logging in to my Gemini account to fund it and begin trading however the site would not let me and so I submitted a trouble ticket to resolve the issue. 

- On XX/XX/XXXX I received an email from Gemini stating the following : " XXXX XXXX, After reviewing your account, Gemini has determined your account must be closed. 

As per Geminis user agreement You agree and understand that we have the right to terminate your access to Gemini and any account at any time and for any reason, and that if we do so, your rights and obligations under this User Agreement will continue. 

For more information on Geminis user agreement, please see the following link : https : //gemini.com/legal/user-agreement # account-termination. 

Although we understand you have questions as to the reasons behind this decision, Gemini is unable to disclose any further details. The risk review process is confidential and Gemini will not be able to elaborate any further. '' - An email exchange took place up until XX/XX/XXXX where Gemini confirmed that I underwent a " Risk Review Process '' ( RRP ) and refused to give further details as to why I failed their RRP. 

- I bank with many large XXXX XXXX and have a credit rating of XXXX - If I were to walk in to a XXXX XXXX XXXX branch and tried to open an account and was denied, they'd tell me why I was denied and what I can do about it. 

- Without Gemini elaborating on how they review their customers... for all I know, they do not approve of XXXXXXXX XXXX XXXX using their site/service- I hope our regulators do something prevent otheXXXX XXXX XXXX XXXX XXXX  from enduring this type of XXXX XXXX Gemini 's last User Agreement was " Last updated : XX/XX/XXXX '', per their website and I never received an email, ever, stating any of the User Agreements in the past were being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind on my mortgage payments due to financial hardship and now I 'm facing an active foreclosure. I 've asked for a forbearance until my additional income comes through. Currently I 'm waiting on  XXXX  and the income I do have only covers basic living expenses. This has been my primary residence for 39 years and I do n't have anywhere else I can relocate to at this time.

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 2023-10-13
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Mr. Cooper took over as my mortgage servicer. They keep marketing products to me, but the basics of taking care of my mortgage ( specifically paying the right amount and right policy number to my home insurance company ), they've now messed up two years in a row, and getting a human representative on the phone to make corrections is nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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 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 US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED 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, 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 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 2023-05-01
Company: Experian Information Solutions Inc.
State: WI
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:
My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this is my complaint id number XXXX i don't know what else to do. they lie transfer over and over to new people and never get no were i said all this and sent all stuff to you last time XX/XX/2021 have had a hard time paid off a lot of bills qualified for a FHA loan need higher XXXX to get help with down payment all of the credit bureaus states a different think now. Can you please remove this collection asap. I would have never paid them a dime if they had told me my collection would have changed nothing, and agreed to delete or say pay as agreed i had smaller collections i could have paid and have paid since then. 

there is no area to put the correct reason why i am writing this time around. i need removed ASAP to get help with a down payment the charge off on each area XXXX deleted XXXX says paid less than full amount no lates XXXX says unknown history with late payments paid less than full balance

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 2023-05-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-06-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to XXXX XXXX as well telling them that they are in violation of my rights as well and sent letters to XXXX XXXX to fix this. Certified as well and was received by XXXX XXXX on XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Acct : XXXX XXXX XXXX  XXXX Acceptance now- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Dept of Ed - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  - XXXX Us dept of ED / XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is with shellpoint mortgage servicing. 
Last year, during the pandemic, my house was in foreclosure and even had a sale date. 
I tried so hard to make a new payment plan or get modification from Shellpoint, it never worked. 
And one day they called me and if I come up with XXXX  of payments, they can make my mortgage current and cancel the sale date. 
I was so happy to hear that, so I sent XXXX of payments and they canceled the sale. 
And only a few days later, my loan was transferred to a new servicing company which was XXXX XXXX. And my payments increased by almost {$1000.00}. 
Shellpoint never told me about this. And a few months later my loan was transferred back to Shellpoint mortgage. 
Right now I am XXXX behind on my payment. They would not work out anything unless I sent another XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to 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 states 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 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 2022-01-20
Company: EQUIFAX, INC.
State: OH
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 a loan with XXXX and have been a XXXX veteran I filled out the discharge papers and they were not taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Chrysler Capital has called repeatedly about a 2017 XXXX I purchased with my now ex-husband. I told Chrysler Capital I lost my son, could not work and my husband, a XXXX, was primary on the loan. My husband filed for divorce a year after I lost my son and I am now raising XXXX young children on my own with very little to no money and an XXXX  year old XXXX XXXX XXXX and XXXX year old son with a XXXX XXXX. I asked them not to call me again because I am often times waiting for my children 's doctor to call or tending to my children and at this point I was going to be talking to an attorney about bankruptcy, I have not yet been able to consult and retain an attorney. I told them my ex husband is a XXXX, therefore if they were to collect anything it would be from him so please don't call. They continue to call ( and ask for my ex husband even though I told them we are divorced and I have not heard a word from him ) almost daily. In the last week they have called XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX and I am sure it will continue throughout the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have owned my home for less than a year. The title company collected and paid for the first year 's property taxes at closing. When taxes were due, the title company paid them. My mortgage servicer, Fay Servicing, also paid them resulting in an over payment of {$11000.00}. As a result of the double payment, Fay Servicing doubled my escrow payment. When I contacted them about the issues in early XX/XX/XXXX, I gave them all of the necessary information to request a refund. Fay Servicing then requested a refund in late XXXX. The country issued the refund XXXX. My mortgage servicer transferred on XX/XX/XXXX. Fay Servicing has claimed since XXXX that I would be receiving the refund in the mail. After following up for months, they claimed the check was sent on XXXX. I just called them again on XX/XX/XXXX since the check never arrived and was told that the amount was transfer to my new servicer on XX/XX/XXXX. My new servicer has only received {$5100.00} after nearly a month. Fay Servicing claims to have transferred all of the over payment, but after receiving the account history, it shows Fay Servicing has only transferred {$510000.00} and is unwilling the transfer the remainder of the over payment ( {$5800.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
The following accounts have properly disputed multiple times with Experian, XXXX, and XXXX because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates.

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that 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.

I have attached FTC report and XXXX  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 non-monetary relief