BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
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: Account status incorrect

Complaint:
Experian has incorrectly reported serious delinquency affecting my FICO score. Experian is 100 points lower than XXXX XXXX or XXXX  due to this incorrect information.

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 2019-11-13
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have 3 new hard inquiries on my credit report that I did not authorize. I am a victim of identity theft, please help me remove these accounts and put an alert on my credit. 

Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX/XXXX was added to your credit report. 

XXXX  XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX   XXXX XXXX, VA XXXX ( XXXX ) XXXX Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
This inquiry could stay on your report untilXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage was transferred from XXXX to Carrington in the middle of a loan modification that would take my payments from {$860.00} to {$740.00} and extend my loan payoff date to 40 years instead of 30 years. XXXX negligently did not complete the process before selling off my mortgage and Carrington negligently has refused to respond to my emails asking for a letter verifying they were working on my loan modification. Carrington has only sent me letters of intent to foreclose and when I call them and ask them why they tell me not to worry and that they are still working on the loan modification, but still refuse to give me that reassurance in writing. 

So at the end of the day, all I have are letters stating I'm about to be foreclosed on. 
Nobody knows where in the process my loan modification is. 
Everybody keeps says 'if I did what I was supposed to do on my end, everything will be ok '. They refuse to acknowledge that they are modifying my loan in writing. 

If I have to file for bankruptcy to stop a foreclosure I will take Carrington to court for pain and sufferings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
I am a victim of identity theft and my personal information was breached. Please review my attached Identity Theft Report from the Federal Trade Commission that was created on XX/XX/2023.

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 2021-10-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed unauthorized debit card transactions with Wells Fargo by telephone on XX/XX/2021. As customary, my debit card was cancelled and a new card ordered. Upon arrival by US mail, the new card was unable to be activated having already been canceled. Since this time I have been unable to get s new debit card issued for this account, either in person at a branch location ( on two occasions ) or by telephone call with debit card services ( also on two occasions ) The account balance has been positive the entire time. Consequently, my account is difficult to access having no checks and now no debit card, as Wells Fargo refuses to issue another debit card or credit card for that matter.

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 2021-03-28
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: Account information incorrect

Complaint:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX THROUGH XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, Experian is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as XXXX {$140.00} XXXX. I have attached a copy of ( my self credit builder statement that proves your balance is in correct ). 


Thank you,

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 2022-09-12
Company: FIRST MERCHANTS CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I was selling a telescope on XXXX XXXX. XXXX XXXX messaged me and said he would buy if I would ship and pay using XXXX. I never heard of XXXX, so I told him I would have to check if my bank offered it. My banks XXXX page says " First Merchants has partnered with XXXX to bring you fast, safe and easy way to send money to family and friends, even if they aren't a First Merchants Bank customer. They only need to have a XXXX, XXXX  account. '' Instructions said to logon with my phone app and select the " + '' a bottom of page to setup XXXX. There were no warnings or fine print that I needed to agree to. I assumed if the other person had a XXXX XXXX  account. they had to be a confirmed customer. XXXX said he was sending me {$1100.00}, but I then received a spoofed email from XXXX say I needed to upgrade to a business account with {$1500.00}. XXXX said he would send {$1500.00} if I would send {$400.00} back. In the process I sent {$400.00}, but never received the {$1500.00}. While waiting for my {$1500.00}, I researched online and found out I had been scammed. I contacted my bank within 10 hours and told them of the scam. Thay said I could not dispute it until it cleared. The next day it cleared and I disputed it and the bank said it would take 10 days. After they investigated it, they denied my claim saying it was my error and they are not responsible. I have emailed customer service back and forth, but they refuse to refund my {$400.00} even though it was fraud. They could have stop it while in process, even not Regulation E should cover such a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXXXXXX XXXX XXXX  ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 2022-09-12
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent {$25.00} to my relative in XXXX as birthday present through PayPal on XX/XX/2022. My relative 's bank is XXXX XXXX in XXXX, XXXX, XXXX. I called PayPal because the money was not posted to my relative 's account. She contacted the bank and they claim they do not do business with PayPal. 
I asked PayPal to stop the payment and refund the {$25.00} to my account. PayPal is asking me to verify my tax status in order to keep conversation going. The funds were taken from my personal checking account. I do not know why PayPal continues to request my tax status information. 
Furthermore, PayPal claims the transaction was completed and they can not do anything about it. 
I think PayPal should let U.S. customers know what is required to successfully transfer funds to an individual abroad. They need to disclose any fees upfront. None of this information was given to me. I need help with recuperating a refund for {$25.00} that is sitting in limbo. XXXX XXXX XXXX, email : XXXX did not receive the money from her bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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: Their investigation did not fix an error on your report

Complaint:
I need the XXXX XXXX to be Deleted from my credit reports today as promised by 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 explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent documents to all 3 credit bureaus that were notarized demand letters, and they did not comply with the letters

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 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today XX/XX/2021 someone committed fraud and withdrew {$660.00} out of my account from the Bank of America branch atm. My card is in my wallet, I never let anyone use my card, my pin has never been shared and only memorized by myself. I filed a claim with the bank and after speaking to 3 representatives, I was given 3 different processing times and no definite answer.

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 monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Equifax, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items that I have diligently identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company holding my mortgage is Select Portfolio Servicing , inc . 

My mortgage payment amount will be increased in XXXX due to increases in property taxes and homeowner insurance. Hence, there will be a future shortage in my Escrow account for XXXX. 

I want to make the additional payment for the shortage for the upcoming year, but the company refused to give me that option. They are going to increase my Escrow payment instead of giving me an option to pay for the difference. 

I tried to call them, but they kept telling me no and that I could not pay for the difference. Other mortgage companies always give me the option to either pay or add to my mortgage, but this is the first company that never gives me the option. I want to keep my mortgage the same by paying the difference instead of adding on the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased roofing material on my chase credit card and the material was delivered damaged. I filled a dispute with the chase and they sided with the merchant. When reviewing the explanation the merchant lied about the events of what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I tried telling the credit bureaus that this information on my credit report is incorrect ( as the picture below shows ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and my payment history is all wrong. The only bureau that was mostly correct was transunion, and even their report was inaccurate with my no payment history.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also 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 non-monetary relief
Consumer complaint received 2021-02-10
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX  XXXX XXXX and I am an XXXX XXXXXXXX XXXX XXXX  currently stationed at XXXX XXXX XXXX XXXX. I am writing to request assistance in disputing an error reported by your company to the credit bureau. 

During a loan prequal credit check, I was notified that LoanCare reported eight late payments to the credit bureaus for the year XXXX. I have been a valued member of this company for many years and during this time, I have taken great pride in paying my mortagage on time each month. 

I have a copy of my bank account which reflects ontime payments for the entire year of XXXX and XXXX. I am due to XXXX in a month and would like to purchase a new home for my family to reside while I am away but this negative credit report is hindering me from qualifiying for a loan. Please help me investigate this matter and to correct/delete the disputed item [ s ] as soon as possible. 

My loan officer has contacted the credit bureau and submitted said bank statement, however it was reported that a letter needs to come from loancare in order for them to delete these late accounts. This company has a history of dealing very negligently with customers as evident by the hundreds of very like XXXX complaints. 


Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Questionable XXXX XXXX account listed on my credit report. 

XX/XX/21 Certified letter sent to XXXX requesting validation of the debt. 
XX/XX/21 Response received from XXXX, validation request not honored in correspondence. 

XX/XX/21 certified letter sent to TransUnion, XXXX and XXXX to alert of failed validation and request to verify debt. Copies of all correspondence submitted. 

XX/XX/21 response received from Transunion, validation request not honored in correspondence. No response received from XXXX or XXXX. 

This is adversely affecting my credit score and in turn my quality of life.

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