BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had the house sold and could not get a Mortgage payoff since XX/XX/2020. They have given me a number of excuses but still no payoff. Now the house is probably going to go into foreclosure.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Company response to consumer: In progress
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a home loan thru XXXX XXXX. It was a wrongful foreclosure and there has since been a settlement on that in my favor. I have ask to have that removed and not show as a foreclosure.

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: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF ED/XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$5200.00} DEPT OF ED / XXXX XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX act, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting 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 AM A VICTIM OF IDENTITY THEFT FROM XXXX XXXX BREACH! 
1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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:
My rights are being violated under 15 U.S Code 1681b and 15 U.S. Code 1681c-2 for the following accounts See Attachment ....

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 2022-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22 I wire transferred {$500.00} from 5/3 bank in XXXX, IL to XXXX XXXX. 
The money was never received by the third party and my bank is just fobbing me off. 
The money was never received by the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
After mortgage company incorrectly reported to XXXX XXXX that I was " living in a disaster zone '' due to flooding in another area of the state in XX/XX/XXXX, my credit score was lowered by XXXX points, despite the untruth of this ( another complaint to be filed ) Then thry sent me Annual Escrow Account Disclosure Statement dated XX/XX/XXXX which did not included payments already made and informed me I would need to pay additional {$54.00} monthly for XXXX  months to cover proposed XXXX escrow shortage of {$280.00}. {$54.00} XXXX months equals {$650.00} which is greater than the so-called shortage amount. I wrote to them on XX/XX/XXXX asking for clarification. I paid my XXXX mortgage XXXX  days early as I have done for the length of the mortgage ( since XX/XX/XXXX ). They sent me a letter dated XX/XX/XXXX stating they received my inquiry and would respond on or before XX/XX/XXXX. I am still waiting for that letter. Instead, I got a phone call on XX/XX/XXXX and was told my mortgage payment was not credited because it did not include the {$54.00} which they demanded. I was told that they sent me a letter dated XX/XX/XXXX which I still have not received. Instead I got a Notice of Late Charge and the request to pay the mortgage of plus additional escrow amount. I already paid the mortgage on XXXX XXXX. They are now talking about foreclosure,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was selling a XXXX on XXXX XXXX and The Random person Text me like as usual is this available I said yes he said I will come in the morning and asked me do you using Zelle I said yes he asked me for my XXXX I gave it and he sent the money on my zelle but it was fake I didn't get any mails from zelle not even notifications and he called me on XXXX and he said me I sent you money please give it back my money to me he never send it and he was shouting scremming to getting his money back and he was threatening me that he will call FBI and police tomorrow and I got scared I sent the {$300.00} and After that it was scam I got to know Please XXXX help me to solve this issue. to get my money back.I have proof of everything.pictures payments mails chats of the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Barclays Arrival + XXXX card has been denying my use of the card. I have a {$0.00} balance on the XXXX card. I notified the company I would be traveling from the XXXX to XXXX XXXX XXXX. I received an email from Barclay on XX/XX/23 acknowledging my XXXX XXXX. I tried to use the card on XXXX at XXXX XXXX and was denied twice and I called and spoke to two representatives who said my card was fine and one who said I needed to prove my identity. After giving them my full name as it is on my card ; my card number ; last 4 digits of my social ; my email address and phone number which they sent me a code to verify who I was - done successfully, they said I have to send a copy of social security card front and back, my government ID, a utility bill. Then other reps said my card was good to use and all was accepted. However, when I tried to use the card, the transaction was denied. I had sent the documents requested on XX/XX/23 and again on XX/XX/23 and when I go into my Barclays App and go to Document Center, I see my copies of my Social Security card, my Us Passport, my CA Drivers License ; my Land US Passport Card. I also have a Barclays Loan that is active and in repayment status and there is no issue with them receiving my payments ; yet when I try to use the travel benefit credit card, all my transactions were denied with no explanation. Luckily, I brought my XXXX XXXX XXXX card on my trip.

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 2023-04-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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 credit reporting XXXX put 2 more negative points on my credit. Last month my credit score was XXXX, I have no late payments in over two years, yet Im constantly being given negative points. From last months XXXX to this recent score of now XXXX. After my first complaint it seems my credit is now under attack. How would I ever be able to purchase anything with these constant negative scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Google Compare Credit Cards Inc.
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I'm XXXX XXXX XXXX representing domestic XXXX XXXX XXXX. 
The XXXX has plans to develop and publish apps on Google Play so in behalf of it I opened the Google Play Console account and confirmed the corporation address. 
The Google Play sent me email ( Your identity has been XXXX ). 
Then I received notification that my Google Pay account is suspended with a link to the interactive form to upload documents. The XXXX has XXXX number and verified address was confirmed from XXXX. 
So I have uploaded my passport photo, XXXX XXXX XXXX XXXX stating this address ( that can also be found on Wyoming State business registry by typing the company name ). Also I tried to upload XXXX telephone bills with corporate address on it ( paperless meanwhile containing logo, transaction number etc. ) for XXXX and corporate bank statement for XXXX too. Also even when I said that account is corporate they asked for my personal address confirmation which I also sent to them my personal address confirmation from the XXXX XXXX XXXXXXXX statement. 
Every time after sending them documents I receive emails like this : " Thank you for taking the time to submit your information for verification. Unfortunately, what you submitted cant be used to verify your account details and you will need to re-submit the document using the secure form here. Specifically, we require that you submit a Proof of Address ( such as Bank Statement/ Water/ Electricity/ Gas/ Telephone Bills ) document that is dated within the past 90 days. 

Your data safety and privacy is very important to us. Google stores your information on secure servers and never shares it, except in the limited circumstances specified in our Privacy Policy. 

We make great efforts to review your documentation and reply to you within 24 hours. 

Thank you for your cooperation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.

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 2023-11-24
Company: Google Compare Credit Cards Inc.
State: TN
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a XXXX XXXX  gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that. This is the second complaint I have to file because for some reason my first complaint was closed. I've included the original receipt as proof of ownership and purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: JPMORGAN CHASE & CO.
State: IN
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:
See attachments- JPMCB violated my federal rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I completed the loan docs for the SAVE repayment for {$170.00} per month and how the repayment with Mohela is {$390.00}. Also to start in XXXX. 

I emailed the servicer twice with no response as of yet. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Submitted form on studentaid.gov XX/XX/XXXX. Called to check on any information needed from me and status of SAVE plan form processing XXXX. Called XX/XX/XXXX to check in after XXXX business days ( how long they said it would take to process when checking previously ) to see status of processing and was told there was no timeline for processing.

Asked about the interest above my payment amount being waived if they take longer than the first month of payments since I am switching to the SAVE plan, and I was told that could not occur until I was already on the SAVE plan for that payment period. So, I will have XXXX XXXX of interest instead of ~ {$40.00} ( estimated SAVE payment ) until they process my form. I shouldnt have a XXXX XXXX penalty for each month it takes them to process my form. 
In the meantime, rather than switching me to the SAVE plan, they have moved me from the PAYE plan ( under $ 100 monthly payment ) to a level payment plan of {$810.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: IN
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:
Experian is still saying the amount was written off, when I paid the amount off in XXXX XXXX paid off XXXX, XXXX {$420.00} and the say it was written off.

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 2022-07-27
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX XXXX SERV Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

THIS ACCOUNT IS NOT MINES AND IS NOT REPORTING ON ANY OTHER CREDIT AGENCY. I DO NOT OWE THIS DEBT TO TO XXXXXXXX XXXX XXXXXXXX. AND I DO NOT HAVE A CONTRACT WITH FAIR COLLECTION WHICH IS A DEBT COLLECTION COMPANY. IVE CALLED AND ASKED FOR ACCOUNT TO BE VERFIED WITH MY WET SIGNATURE ON A CONTRACT AND THEY NEVER SENT IT.PLEASE DELETE

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