BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the last few months, I have mailed in multiple additional principal payments, only to have them be placed incorrectly in suspense accounts, be applied incorrectly as payments, despite mailing them to the specific address at XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, in XXXX California XXXX as instructed by Carrington Mortgage representatives. As a result, I have been paying mortgage interest at 6 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: PA
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 personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside XXXX XXXX Experian but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of XXXX, Experian and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX  Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. XXXX and Experian have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.

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 2022-04-27
Company: EQUIFAX, INC.
State: CO
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, XXXXXXXX XXXX act # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Charge-off : XXXX XXXX XXXX XXXX Balance {$7000.00} ; XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX  XXXX XXXX Balance {$5400.00} ; XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX A XXXX Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
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: Account information incorrect

Complaint:
Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

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 2017-04-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Th e MasterCard Gold Card, issued by Barclays, provided SCRA benefits for military service members when I applied for the card just over a year ago. As a   XXXX   member, I received these benefits. One of the benefits offered by Barclays was waiving the {$1000.00} annual fee. This fee  was waived for the first year. When I spoke to a customer representative on the phone, I was assured that these benefits, including the waived fee, would last for the entirety of my  XXXX   XXXX    XXXX   service.     A few weeks ago, I received a letter stating tha t Barclays is rescindin g their assurance to waive the annual fee and that I will be charged this fee by  XXXX   XXXX . I called   Barclays and was told that I could either cancel the card or receive the fee.
I plan on canceling the card in order to not be charged the fee, but would like to extend a chance to Barclays to review this practice of making an initial offer to service members and then removing that offer just a year later. This has affected myself as well as ma  ny men and women that I am proud to serve with.

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 2021-11-20
Company: Coinbase, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 at XXXX I purchased the crypto currency power ledger in the amount of XXXX coins the following day they removed my coins and my money XXXX the XXXX and delisted the XXXX XXXX companys name is Coinbase.. The reference code to the receipt is XXXX they seem to have done this to many people!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Marlette Funding, LLC
State: MO
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:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Best Egg XXXXXXXX, it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My mother called lending club because they needed to verify some info before finalizing the loan. When a representative answered I asked her if there was someone who spoke  Spanish for mother. The representative said no and then I explained that my mother does n't speak English and if I could translate for her. The agent went on to explain that she only needed to ask some questions in English. I then proceeded to tell her how could a company have no one that speaks Spanish for non English speaking people. And that no where online or in the loan process says that English must be spoken for the loan. I went on to explain to her that the company was being Biased to my mother for not speaking English.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent several requests to Equifax Credit Bureau but still no response from them. That means Equifax has not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove this account completely from my credit report : XXXX XXXX XXXX - XXXX {$1900.00} Reported : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: FISERV INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I contacted XXXX on a dispute I had. This dispute was a business Debt that should not be reported to my personal credit as my company is an LLC. 

I reached out and spoke to a woman who called me from XXXX who was very rude when I tried to discuss how this was being reported on my personal credit report. I told her that the products were shipped to the customers and they received the products I did not see how her company gave the money back to the customer. 

She told me when credit card customers file a dispute they automatically refund. I explained to her that this was the reason we left them to begin with and I was actually contacting her company to get the attorney of record so I can take this to court. 

She told me to use XXXX and she did not have to give me any information. I explained to her that the XXXX XXXX XXXX XXXX XXXXs and the CFPB both told me I had a legal right to this information if I wanted to pursue court action which is what I plan to do since the state said that XXXX can't place a XXXX on the business side and then put it against my personal credit. they advised this was against the XXXXi Department XXXX banking regulations here and that I could take it to court to have XXXX XXXX judge decide if the debt is legit. 

So I went to the court, I got the paperwork and in the paperwork, it asks for me to list the name and address of the person to subpoena to court which is why I called her. She told me I didn't need it and to either pay it or she would make sure it ruined my personal and business credit. 

I even told her that I was told this was a law and she said she didn't care what the law was and she was above the law. When I told her I was going to file both in my state and at the CFPB she said to do whatever and that the CFPB don't tell her or her business what they have to do and she didn't care what the consumer laws said.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The XXXX loans reporting on the XXXX credit bureaus are NOT mine. I have been disputing them even when they were reporting positive. I officially started the dispute process in XX/XX/2013 and have been unable to get them removed nor has anyone sent me proof they belong to me containing my signature. They are refusing to remove and/or show me how they determined they belong to me. The only thing that has happened is a statement on my report saying I dispute the account. It has been at least four years I have been adamant that these loans do n't belong to me. As I stated I was even disputing them when they were positive now they are charged off however they are not my accounts. Also on the credit report the loan is reported by the same loan number but different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Pursuant XXXX XXXX. XXXX ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent out several debt validation letters and a failure to validate debt letter with no response to neither of them Do you have to validate a debt and therefore they have not validated the dead or responded to me to any of my letters I have sent certified mail I have all the receipts for all the times I have sent them letters and I have copies of 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 2022-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 1. XXXX XXXX ( XXXX XXXX, XXXX ) 2. XXXX XXXX ( XXXX XXXX, XXXX ) 3. XXXX XXXX ( XXXX XXXX, XXXX ) 4. XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX ) 5. XXXX XXXX XXXX  ( XXXX XXXX 6. XXXX XXXXXXXX XXXX ( XXXX XXXX, XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/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 2017-04-25
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently I received a notice from   XXXX   XXXX   that a new item had appeared on my credit report. When I checked, it listed an account wi th United Consumers ( acc t. #  XXXX   ). I contacted United  Consumers and spoke to  XXXX   XXXX  who told me it was a charge of {$180.00} due to  XXXX   XXXX   XXXX . She said that it was for natural gas charges owed on a previous address. I told her that I had my gas with   XXXX   XXXX   XXXX  and that when I moved, all charges were paid and my deposit was returned because all charges were paid. She explained to me that  XXXX   XXXX   XXXX  provides natural gas to   XXXX   XXXX   XXXX , and that even though they were always charged on  one bill, upo n termination the bills were separated. I never received a bill from  XXXX   XXXX   XXXX , or I would have taken care of it at the time. I asked  XXXX   XXXX  why I had not been contacted and she said they had sent a letter to my old address and had " assumed '' that it had been forwarded. I told her that I was willing to pay, even though there was no proof offered that I owed the debt, as long as it could be pulled from my credit report. She said that they are not able to pull information from my credit report that  XXXX   XXXX   XXXX  are the only ones that can do that.   I then contacted  XXXX   XXXX   XXXX   XXXX   to discuss this ( original acct #  XXXX   ). I  spoke with  XXXX  and explained the whole situation. She seemed sympathetic but said that this would have to be handled by the " back office ''. I asked her if there was anyone I could talk to and she told me that I could only send my complaint to the back office via  XXXX  XXXX  XXXX . I sent them an email with my concerns and request on  XXXX / XXXX /  XXXX  . I have yet to be contacted by anyone regarding my request. I have since looked to find any office information where I can handle this in person, but  XXXX   XXXX   XXXX  has no public offices listed. It is very difficult to take care of an issue when the only possible way of dealing with it is to contact ( via faceless email ) some so-called back office.   I am not trying to get out of paying a legitimate debt, but I was not properly notified and given an opportunity to take action. I am willing to pay what I owe, but due to the circumstances believe that it should be pulled from my credit 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 2021-11-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On  XXXX / XXXX /  XXXX   I filed a complaint with the CFPB in regards to this item/account being reported on my credit report. The case number is  XXXX . The collection agency  LVNV  replied stating that " we are unable to locate an account under the name of  XXXX   XXXX  with the information provided ''. All of the relevant information was provided. My first and last name, my mailing address, original dispute mailed to company as attachments, truncated account number (  XXXX  ) provided on credit report and full ssn number. As of  XXXX / XXXX /  XXXX   this item/account is still present on my credit file, last reported on  XXXX / XXXX /  XXXX   according to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took a loan out with this company in XXXX of XXXX for a small amount of XXXX. I also used the MoneyLion Plus membership. 
I paid this loan bi- weekly every Friday until my last payoff. I made my last payment on XX/XX/XXXX of {$44.00}. That day I also cancelled my MoneyLion membership and withdrew my MoneyLion investment balance. I thought everything was clear until I pulled my credit report and it keeps showing I never paid. This is a damaging remark toward my score. I have tried to dispute this faulty claim and they now are showing my account as last due and delinquent.

Company response to consumer: Closed with explanation