BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
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:
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 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 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 2020-12-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So Ive been at an all time low with surrounding neighbors targeting my credentials by utilizing my credentials and me noticing how everyone sorrounding me have to get within a certain perimeter to be able to utilize XXXX XXXX and web activities to purchase materialistic expensive technology to essentially be able to get away with it for almost a little over a year now! Im certain theyve gotten loans and devices that can be tacked and traced for which I hope you can understand that I want full prosecution for its only destroyed this entire year!!!!!!!! Please when possible Im available for more information that I have stored in SIM card if you can get ahold of me personally at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i am the ongoing victim of cyber  stalking, hacking, harrassment, identity theft, benefit fraud, real estate fraud, trust fraud, XXXX fraud, bank fraud these companies were listed on my XXXX credit report ( i have never heard of these, never applied, or gave my ssn, or recieved, they are all fraudulent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX experian says there is a credit freeze my ssn is XXXX, i have tried to unfreeze it, it wont work, i can not access money or employment to survive

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 2023-01-28
Company: EQUIFAX, INC.
State: CO
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:
Equifax is continually miss reporting information on my credit report. As far as account statuses and balances, it is affecting my credit score, and I have filed mini disputes with them and they have done nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
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 is reporting a bankruptcy on my credit report that it has not properly verified. It is showing a bankruptcy with US Courts in XXXX and it has not properly verified this information with the courts in XXXX. Experian is using a third-party company to place information on my credit report that is damaging to my status. I need them to properly verified this with the courts-that means that they speak with someone at the court and provide me the name, time that they spoke with, and the information that was given to them by the courts. Without that proper verification, they can not continue to report inaccurate information about me. 

I have contacted the courts myself and was told that they did supply Experian with such information. Therefore, Experian is showing information that they themselves have not verified but putting on the report as a true statement. 

I have contacted them and they have refused to properly verify this information. They have reported that it's been verified through their third party company. But not properly verified through the court that they are listing that I have filed bankruptcy with. 

Unless they contact the court and get the name of the person with whom they spoke, their identification number, the time and date that they spoke with such person and the results that was given to them, they are just reporting false information from a third party company that is selling information for profit-so they will report any inaccurate and false information just to get paid. 
Please correct my report and remove and delete this information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NY
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My monthly payment to Navient is {$390.00} for two consolidated loans under FFELP was up to date.This payment contract stated in 2006. Ive been making regular payments with a couple of deferment interruptions. I started an inquiry about delaying payments until I was able to pay again because I was having temporary hardship. I was informed about an ( IDR ) and received an email. Thats when I realized I preferred a deferment, and made a second call, then I was offered immediately a forbearance that would stop payments until XXXX and resume again at a lower payment for two years @ {$250.00} month. After the two years, the payment would go up to XXXX for 155 months. The after the 155 payments, one payment @ {$450.00} for one month. I requested the representative from Navient to email me the contract before I make a decision and before I send in verification of income. The representative told me the forbearance was already in progress and that my payment was stopped until XXXX. I told the representative to hold off on the forbearance because I didnt like the terms of the new contract and that I wanted a deferment not a forbearance. She continued to read the script that my payments were stopped until XXXX and that payments have been lowered for two years. 
I made several attempts to get the forbearance removed but they continued to read me the script. The issue I have is that I will be starting this contract all over again with another collection agency and where I will be repaying back more money then if I had stayed with the contract in 2006. I do not want the forbearance and how can they make me accept this when I have not agreed verbally and without a signature. I will not accept this bullying and predatory lending disguised as an option for help when there is a real need for help. It makes you feel so vulnerable and hopeless in trying to get a real resolution that fits my circumstance. You heard the old saying to be thrown under the bus. Well in the case with Navient, they seem to throw everyone in front of the bus and keep running the bus back and forth over them with no compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023 My ending account balance was displayed on my mobile app as - {$110.00}. There was no record transactions the following day of XX/XX/2023. When I called Wells Fargo on XX/XX/2023. I was informed that on XX/XX/XXXX my balance was actually- {$1100.00}. After getting paid I proceeded to spend based of the shown amount on my mobile app which was not a accurate depiction. Which lead to a overdraft fee on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX veteran in Texas. 

XXXX acquired my XXXX XXXX I did my research and learned that NationStar/Mr.Cooper is not allowed to handle VA mortgages XXXX 

XXXX arrived a few months months later. 

I started the COVID forbearance plan when NationstarXXXX Mr. Cooper offered the forbearance plan to me.

As I just started my business I did not qualify for any assistance. 
Self-Employed : No unemployment Self-Employed : No PP loan as I did not have a financial record to show cash flow. 

Under verbal communication I was told at the beginning the loan would be modified and the loan would be modified and a refinance option would be available when I would be able to start making payments. 

I tried selling the home with the XXXX forbearance price that Nationstar/Mr.Cooper said was the adjusted cost of the mortgage. The house never sold as it was overpriced. 
When I told Mr. Cooper the forbearance fee was to much and the house was priced out of market, Mr. Cooper would not lower the fee or negotiate a settlement. 
When I reached out for assistance the forbearance fee was so large, I did not qualify for assistance. 

I had to file for bankruptcy to try to save the house. 

Mr. Cooper priced the house of market and I could not sell the house. 

Even when I was on a contract making {$500.00} a day, Mr. Cooper refused to take payments on the mortgage. Mr. Coopers response stated that I had to make the COVID forbearance fee in full. 

I have had multiple attorneys tell me that Mr. Cooper violated multiple laws, but I can not afford to add more legal fees on top of my Dad 's medical fees. 

My Dad who is also a XXXX veteran has to stay in veteran community home because I have no idea when I will be forced to leave this residence. Therefore I can not have my Dad live with me for his end of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX when I was in Colorado on a business trip my debit card stopped working. I called in to Bank of America they told me that my accounts where closed. I went into a branch in CO. The branch manager suggested I could take my funds out of my checking while BOA was trying to get back to me on why they closed my accounts. However, I was not able to take my funds out of my savings, which had XXXX in it. BOA said they had to mail that check regular postal mail with no tracking number. This was ludriucris to myself and the branch manager given the amount. I have been calling several times to try and figure out why as of today XX/XX/2021 I still have not received my money in my savings. One lady told me when I called in it was sent to an old address and returned. However I made it abundantly clear what my new address is and clearly BOA has it considering they mailed me a lettering stating they closed my accounts. I received that on XX/XX/2021 but still NO CHECK! When I called again another lady stated it could take 90-120 days. When I asked when the check was cut she said XX/XX/2021! It is in cashier form with NO tracking number! That's just ridiculous. Another branch manger yesterday XX/XX/2021 could not understand why a branch was not able to just cut a cashiers check and put in my hand. I was hold once again it would have to be mailed US postal service not XX/XX/XXXX over night. I need my money please! I will be calling back today.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following companies have appeared on my credit report without me having filed for them. 
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 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2021-05-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
So my loans are being charged different fees and different interest rates than they were when pay off was signed with lawyers and agreements were set. I see suddenly my entire payment is now counted as a fee when this wasn't the original agreement or how the accounting was handled. Please fix the accounts to show the same interest rates that was agreed upon. Debt collectors can not just change as they see fit as rules must be the same. I have the payments and how they were being distributed to 2014. Once the debt collector sent my bill to another company Navient chose interests and payments were changed. I need statements of accounts that show the agreed upon rates and terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX at XXXX I deposited XXXX $ worth of bitcoin witch was {$180.00} at the time I sold it to the USD wallet, At XXXX $ ( witch was fine ) on XXXX/XXXX/XXXX XXXX XXXX I tried to add my bank and when I was answering the security questions it said it was wrong when they were not, I have added my bank before and It worked fine. So then I tried to add my routing number witch then did not work witch was the correct routing number.So at that point I couldent use the money to by bitcoin then sell it to my XXXX then transfer to my bank. I contacted them multiple different times different times the first time they gave me the same answer over and over again I could never get A strait answer and they took my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: BARCLAYS BANK DELAWARE
State: TN
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:
Barclays reported my credit card payment delinquent for XX/XX/XXXX for a missed payment on XX/XX/XXXX. On XX/XX/XXXX the reported to credit bureaus that I was 30 days late on my past due payment for XX/XX/XXXX. This was not 30 days, it XXXX. Further XXXX, XXXX and XXXX XXXX the 30 day delinquent pay for XX/XX/XXXX when we are still currently in the month of XX/XX/XXXX. Thus, this does not indicate the payment being 30 days past due. Further more on my XX/XX/XXXX statement, there is no indicated past due amount. Furthermore on my XX/XX/XXXX Statement it reflects my past due payment amount is due XX/XX/XXXX. If I have until XX/XX/XXXX why was my account marked as 30 days past due? And why did XXXX, XXXX and XXXX allow for something to be reported 30 days late in the same month that the payment is late in?

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 2019-03-11
Company: Capio Partners, LLC
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: Account status incorrect

Complaint:
I am trying to get a mortgage for a house and one of the things they told me to do was pay off one of my collections to boost my credit score. So on XX/XX/19 I called Capio Partners and paid off the settlement amount, then my mortgage company told me that I needed to get a letter of deletion from them so I called them back again and asked them for one and they said they would be sending one out and will send one via email as well. I received the email but all it said in there, that the account and been paid in full and  would be reported to the credit bureaus ( not a letter of deletion ) so I called back again and this time they told me that I did not request a deletion and they gave me a number to call for customer service, which I did multiple times and I left a voice mail and never got an answer back. So I called back the regular number again and and told them I needed a letter of deletion and they told me in a not so professional manner that it was being reported to the credit agencies and then hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Zip Code : XXXX, AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office
Cc : 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 2020-01-12
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 have an Amex account reporting as a balance- effecting debt to income, which I have NEVER USED, have access to, or am even aware of, that claims Im an authorized user to. I want it removed from my credit as this was not an account I have authorized. I have no desire to use this credit card from Amex

Company response to consumer: Closed with non-monetary relief