BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX XXXX and XXXX XXXX received a summons for a debt from XXXX XXXX XXXX XXXX. Represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. for a medical bill owed to XXXX XXXX srv. for XXXX. This medical bill was exclusively for XXXX XXXX and was paid by insurance Blue Cross of Utah regence. This medical bill for XXXX XXXX was not a family expence and XXXX XXXX is in no way liable for a personal medical expense per ut code XXXX. XXXX XXXX never recieved and medical treatment, prescription or any other services from original debter and should not be held responsible for any debt allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: JPMORGAN CHASE & CO.
State: MI
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 friend was authorizing me to speak on their behalf to one of their creditors. During the authorization process we specifically asked and verified that this authorization would only allow me to speak on behalf of the user, and not actually attach me to the account from a liability standpoint. The creditor confirmed that it was only to authorize me as a " non-user '', and that the account would not be reported or show on my credit report. As of today, I noticed that this account is in fact showing on my credit report, and negatively impacting my standing. As a result, I am not able to move forward with some financial plans I had, until it is corrected and removed from my reports. My information was used without my consent and I was fraudulently added to an account by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
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: Old information reappears or never goes away

Complaint:
experian, XXXX and XXXX   all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..

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 2020-07-14
Company: Flatonia Investments, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They pre-approved the mortgage for a condo in XXXX TX, then 6 days prior to closing they backed out of the deal - claimed my income ( > {$200000.00} per year ) would not support the loan, even if I put 50 % down - the cost of the House is {$360000.00} - I suspect they just did not want to extend the loan, and they feared they would lose money on it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Paypal Holdings, Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Ok so my mom bought me a prepaid XXXX XXXX serve card for XXXX dollars, XX/XX/20 there was a XXXX  dollar transaction, I have no idea on what but its there, Today XX/XX/XXXX I tried to buy something on the XXXX, The preferred payment method I use on PayPal is this prepaid card. 

I attempted to buy something today for XXXX dollars and it said that it didnt go through said I needed to update my payment method on PayPal, So i did, and then I clicked the link that lead me to the PayPal website and I got charge a dollar for activating it I guess, even though it was already on my PayPal account??? 

Then I retried to make my purchase and it failed again, Same thing happend, update payment method, so I did, and it didnt go through again, ( I do that one more time ) Then I thought okay Ill try to add the card with XXXX XXXX and lay with that, so I added the card to it, but it didnt show up in my wallet, so I decided to do it again, ten minutes later I get two charges for XXXX dollars for the XXXX XXXX. So In total I was scammed for XXXX dollars. 

If the card needed an activation fee the XXXX dollar purchase should have been enough to activate it. I want my money back I dont know what company is responsible for this because it could be PayPals fault for charging for a card I already had or it could XXXX XXXX serve because they transactions are there but not on my PayPal account. I looking for a way to get a refund in the XXXX website but theres nothing and since PayPal doesnt have any record of my transactions I cant ask for a refund I want my money back please try to cover most of not all the charges Please contact me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2019-03-26
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm behind with my mortgage payment due to employment issues. I finally was able to secure some funds from relatives to catch up with my mortgage payments. When I called them asking for help, they said, they'll send me the reinstatement quote and how much I owed them. The first reinstatement quote was for XXXX on the past due payments with {$2900.00} for the late fees and cost which I thought was excessive. Regardless, I miss the date by 10 days because it takes time to try to collect the fund needed from families. When I was ready, I contacted them again requesting help and they said they'll need to regenerate the reinstatement quote since I missed the first one. This time, the added additional {$12000.00} for the fees and costs with list of charges with fees they already charged me on the first reinstatement quote. Now my past due is double. I got the feeling that they have no interest in trying to resolve my issue other than making money for themselves which I think it's absolutely excessive and illegal. Please help before they foreclosed my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i applied a refinance with Guild mortgage on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX ca XXXX branch 3.5 % plus 1.125 point locked on XX/XX/XXXX and then he increased to 1.875 point when i complained he decreased it to 1.5 point according his email on XX/XX/XXXX he and his assistant XXXX, XXXX keep asking me to submit documents XX/XX/XXXX XXXX, ( 3 times ) XX/XX/XXXX ( 2 times ) XXXX ( 3 times ) XX/XX/XXXX 2 times XXXX andXXXX also i went to their office to scan my trust after all this he email me today to pay some credit because of ratio just discovered now after 2 months and after i paid appraisal actually because of point he need to pay ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I emailed the Escalation Department about my 2nd Deferment and on XX/XX/XXXX, the response I received was unacceptable and irrelevant to my inquiry, in other words, the response omitted or did not mention details about the second deferment. 

On XX/XX/XXXX I sent another email request to the Escalation Department regarding the 2nd deferment but that request has gone unanswered, so I am filing a complaint for assistance. 

I was granted 2 deferments. The first was a ( verbal ) forbearance that converted into a deferment from XXXX, XXXX and XX/XX/XXXX. 

The second deferment was in ( writing ) and signed by a Shellpoint officer. See attached. HOWEVER, THE SECOND WAS NEVER HONORED AND NO ONE HAS PROVIDED ANSWERS. I received a cover letter dated XX/XX/XXXX with an enclosed written deferment agreement dated XX/XX/XXXX XX/XX/XXXX. The cover letter stated that the deferment was granted but correspondence might not have been sent to me. 

The written deferment agreement was signed and dated XX/XX/XXXX by Shellpoint Officer ( XXXX XXXX XXXX so why I was told on XX/XX/XXXX ( all calls into Shellpoint Servicing are recorded and I recorded calls too ) that I was not granted a second deferment and if payment is not made ( by the next day ) XX/XX/XXXX, that a late fee would be assessed and if no payment is received by the XXXX, then possible negative credit reporting, upon hearing this, I panicked, scrambled up a payment and made it online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XX/XX/XXXX I did two transfer of XXXX every transfer so in total XXXX but in my coinbase account is XXXX when I call customer service support they told me that there was a delay in the SEPA transfer but XX/XX/XXXX I did a test with small among of money I transfered XXXX andi arrive one day later to my coinbase account. I am really scared because The service support told me that They do n't see the wires transfer from my side, but it is really weird because after the two transfer in my coinbase account in Method of payment appeared my bank account number and I have never put the data inside. The Ticket number that customer service gave me are XXXX. 
They can find more information about transfer documents with all the details inside. 
XX/XX/XXXX I talk with my bank and they are claiming to his bank ( XXXX XXXX XXXX ) the transfers what I did because the answer of Coinbase is that both transfers never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: GA
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a letter to Experian asking them to remove a collection from XXXX XXXX in the amount of {$3600.00} from my credit report. During the week of XXXX XXXX, I received a letter from Experian stating the debt is valid and they will not remove it. I disagree and would like to know how they came to this conclusion. I want the proof

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 2022-10-02
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that 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 an 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 crime which antedates the report by more than 7 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 2020-12-04
Company: Finance System of Richmond, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Friday, XXXX XXXX 2020, an account manager from company Finance Systems in Richmond, IN ( XXXX XXXX spoke to a third party about a personal matter regarding debt that they claim I owe them. I believe the individual involved was also sharing this information with her coworkers as they somehow knew who I was before I even gave them my name. Its scary to imagine that a random number can call this organization and the operator can give them my name without my consent. I felt that this was very unprofessional and definitely a violation of the Fair Debt Collection Act, hence the reason I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I went to withdrawal money from a bank teller, and she miscounted and shorted me {$20.00}, when I asked to see cameras they told me to call a number. They also, said the drawers were not over which is untrue as money was missing from the amount given to me of {$420.00}

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 explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian REFUSES to remove inaccurate information on bankruptcy. This item is still being reported incorrectly and is extremely detrimental to me. This has caused me emotional and financial hardship because Experian does not want to act in accordance with the Fair Credit Reporting Act, Section 1681i.

I have requested that the inaccurate information of : 1. Chapter XXXX BK-XXXX  be verified by including : 1. Names of individuals you contacted for verification 2. Their addresses 3. Phone number I need to have this certification so that I can check it as well.

If Experian can not furnish those items requested then they must remove according to the law.

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 2021-08-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I have submitted several requests about my addresses are incorrect. I have submitted several requests for them to remove medical collections as well as collections less than a {$100.00}. These requests are in vain. I have only lived at 2 addresses in the last 20 years and they are reporting on addresses that are incorrect. The information they are reporting from Collection Agencies which bought the debt is against FCRA guidelines. I wish to have these Collection Agencies removed from my Credit Reports. Lastly, they are all reporting different scores as well as different information. My XXXX report states the higher higher number and Equifax and XXXX is 3-5 points lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Prospect Financial Group, Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello. My name is XXXX XXXX and I recently refinanced my home with Prospect Financial. I dealt with a loan officer by the name of XXXX XXXX. I had a mortgage with XXXX XXXX and my interest rate was XXXX. XXXX XXXX persuaded me that by refinancing with Prospect Financial, I would decrease my mortgage payment. I did continue with the refinance and advised her that I wanted to continue with an escrow account, as I had with XXXX   XXXX. She assured me that I would have the escrow account included in my mortgage statement. When I was signing the loan documents, I noticed that the escrow account was not included in the final mortgage monthly payments. I advised XXXX XXXX of the discrepancy and she assured me that all I had to do was contact my new loan company and they would fix the problem. 

When I contacted XXXX XXXX  XXXX, they advised me that creating an escrow account was not as easy as she had led me to believe. When it was all said and done, my new mortgage payment was well over my original payment with XXXX XXXX. I paid over {$14000.00} to Prospect Financial in order to get a XXXX interest rate, that I already had, so I can pay {$40.00} a month less on my mortgage. 

I feel that I was misled and that this loan was not beneficial, nor in my best interest, to acquire.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation