BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BACK IN XXXX OF 2019 I REFINANCED MY HOME LOAN WITH XXXX BANK AND MY PREVIOUS HOME LOAN WITH FREEDOM MORTGAGE XXXX REPORTED A LATE PAYMENT FOR THAT MONTH OF XX/XX/2019 WHICH IS NOT CORRECT AND IT WAS BROUGHT TO MY ATTENTION BY MY XXXX XXXXXXXX THAT THIS IS AFFECTING MY CREDIT AND NEEDS TO BE REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2021-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a loan modification or loan deferment on my mortgage as my income has been impacted by COVID19 on XX/XX/XXXX with Select Portfolio Servicing Inc. 

They have requested documentation of which I have provided. I keep getting the run around from different customer service reps, asking for random documentations, bank statements utility bills, and tax returns. I have complied with all their requests. They continue to have me re-apply, direct me to their website, which locks me out. Taking me out of a program and switching to other loss mitigation programs. This has taken a toll on my XXXX 

Also, I was told that because I am in their forbearance program, I would not be reported late. Today, XX/XX/XXXX, I called to follow up, and now they tell me they need more information. I am currently going through a divorce. They asked me for a copy of my soon to be ex husbands profit and loss statement, which I provided in XXXX. They said that is all they needed. Now they are asking fo a divorce decree. Each month they always say that is all that is needed, but they keep dragging the process out month after month. This has taken a toll on my XXXX and now they said they are reporting me late. 

I have always furnished every document they have asked for in the last 7 months, and would like a resolution. Please please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

Account name : 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 2020-01-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Appears I was victim of ID theft, credit card number I do not own and I did not authorize used at XXXX on XXXX for XXXX purchases. XXXX canceled sale. Appears thief generated a credit card with my ss #, since one item was approved and shipped. Put a freeze on my credit at XXXX  and XXXX, can not do so via the automated service at Experian, they say there is some problem with the info. Perhaps thief registered there and used false info. Can not reach a live person at Experian to figure out what is going on there. So far the false card has not appeared on my credit report, but it takes a month or so is my understanding. Also Experian forces you to give them authorization to sell your info, even if you just want to place a freeze. Additionally they want you to write them ... they are very diffcult to deal with and if someone has stolen my information I need to know as soon as possible. I also need to be able to place and remove a credit card freeze online at their site, not by mail.

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 2023-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
New Information This communication is to inform Experian to PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS " DISPUTES '' I understand Experian is NOT a bureau nor is it backed by any government agency. I am aware that Experian is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware that pursuant to the FDCPA and 15 U.S. Code 1681b - Permissible purposes of consumer reports, As a third party, Experian MUST comply with my written instruction. I hereby DEMAND that all negative accounts, Late payments, Hard and Soft inquiries, Delinquencies, Charge offs, and additional information such credit limit/high balance, that were not verified or authorized by me XXXX XXXX XXXX in written format be DELETED IMMEDIATELY. 

Experian continues to update my report with no proof of proper verification or investigation. If this matter is not resolved immediately I will be contacting the NY Attorney General regarding this matter as well.

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 2021-02-02
Company: Square Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today, I received an unsolicited Cash App card in the mail. Based on internet research, the card appears to be a prepaid debit card. XXXX, XXXX XXXX appears to explain that they send these out by request WITHOUT a credit check. If they did a credit check, they would have found that I have a credit freeze on and opted out of credit card offers. 

This is esp. worrisome as someone fraudulently filed for unemployment using my information. 

The useless phone number given online to contact XXXX XXXX instructs you to listen to their online instructions. No live person can be reached on any branch of their " Customer Service Line '' ( XXXX ) The only way to get to customer service for this card is to activate the card and download their software to a phone. I don't want to activate the card and don't have a phone to download an app. I want the card shut down. 

Numerous scammers are now soliciting online to solve problems with Cash App because users can't interact with a customer service department. 

How is it legal that they can send out credit cards that can be attacked by scammers with no way for individuals to shut down the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 a lot of transactions happening on Zelle " Failed '' due to a system issue by Zelle. This was a glitch in the system that happened on XXXX XXXX 2020 maybe because of the date or year. I regularly receive rent money via Zelle and money is debited from my tenants bank account ( which is XXXX ) and deposited into my bank account ( XXXX XXXX ) within a minute and shows up in the Activity section of Zelle app. But on XX/XX/2020 when my tenant sent me {$1800.00} in rent via Zelle through their XXXX XXXX app the money was sent to Zelle but Zelle had  a glitch in their system and they sent me an email saying payment was delayed. The payment was delayed for few days and then the Customer Support of Zelle said that payment was marked as " Failed '' on XX/XX/XXXX and that the money will be returned back to the sender 's bank account who is my tenant. The sender has not received the money back as of XX/XX/XXXX and I had the sender contact their XXXX XXXX to followup with this " Failed '' Zelle payment but XXXX XXXX insists that money is sent and I have it in my XXXX XXXX. I have not received the money in my bank nor do I see it in Zelle app and asked for written confirmation via email from Zelle telling that this payment failed. I am attaching that email as proof of failed payment. 

Right now the issue is that XXXX will not return the money back to the sender who is my tenant so she can pay my rent which was due XX/XX/XXXX. Nor will Zelle send money to my bank since they say money has " Failed '' to transfer. Right now the money is in a limbo situation where both XXXX XXXX and Zelle and my bank XXXX do not know where the money is. 

This is just my story and there are a lot of other people like me who are complaining on twitter. This is a serious issue as from my and sender 's perspective money is lost and both parties ( XXXX and Zelle ) are playing blame game and not resolving the issue. 
Here is the link to twitter where you can see people are complaining and attaching screenshot of that as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I have filed and FTC report and have reached out to the local police.

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 2022-01-26
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX agreed to remove all loans from consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
XXXX accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-07
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: Was not notified of investigation status or results

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

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 2020-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Went last XX/XX/XXXX to First Bank to make 2 transactions. First one was a cash payment of {$980.00} for a credit card balance. All fine. Second transaction was to make a cash deposit of {$1800.00} to my son 's savings ' account. Before going to the bank, like 2 hours before, I counted money twice. To pay credit card, got {$990.00} cash. For the savings deposit, I counted {$1800.00}. Put {$990.00} in my right pocket and {$1800.00} in my left pocket. First bank discontinued using deposit slips to fill for the transactions. I went to the desk were they usually had it but they had nothing there. So I went to the cashier. First transaction was ok. Second transaction, I gave her the money. She never asked how much was the amount. She went to the machine, counted money, made transaction, and gave me the receipt. Started walking to leave bank and noticed that the deposit was for {$830.00}, instead of the {$1800.00} I gave her. She stopped the operation and together with another employee, they counted all the cash that was inside her drawer. After maybe 5 to 7 minutes, they counted all and said to me that drawer had {$800.00} more than supposed. I told them that there were {$1000.00}. They said, " we counted {$800.00} so that's the amount I will credit you ''. Since it was cash and there was no way to identify the specific cash I gave the cashier, I accepted that. They gave me a new receipt with a deposit of {$1600.00}. 

I entered the account last XX/XX/XXXX to check balances and noticed that my son 's savings ' account had a lot more money less than supposed. I went to the bank to check what happened. They told me manager was going to call next day. Next day, XX/XX/XXXX, received a call from manager. She told me that they put on hold on the account to make an internal investigation were they see procedures, videos, etc, and they concluded that the extra {$800.00} didn't belong to my transaction because that amount came in a change of drawer from the previous teller. So, it's my point against theirs. Like I said to the manager, there were some irregular procedures made here and I insist I counted {$1800.00} twice and that was the amount of money given to the teller. I would like to get a neutral analysis for this case because I can't trust and don't believe that thing she told me. She even told that by looking at the cash given to the teller in the video, by her experience, she can tell if that's {$830.00} or {$1800.00}. I told her that it can't be determined by that appreciation because there could be XXXX {$100.00} dollar bills. The only thing that can convince me is that the video shows me giving her the money, and the machine says {$830.00} after counting it. What's finally determined, will be accepted. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation