BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
XXXX accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy filing Reference # XXXX, Chapter XXXX Bankruptcy filing Reference # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-08-01
Company: EQUIFAX, INC.
State: NY
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 forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to delete these pieces of erroneous information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: AR
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:
This is XXXX XXXX, an I am submitting this comlaint myself to address the inaccuracies on my Credit Report. I am submitting this complaint to inform the Creidt bureaus that I was the victim of identity theft. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2022-08-01
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am sending a complaint today to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$2900.00} ;

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXXXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX  XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates XXXX0, DEPTEDXXXX XXXX Late Dates XXXX, DEPTEDXXXX XXXX Late Dates 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 2022-12-09
Company: Experian Information Solutions Inc.
State: VA
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 is reporting different amount of accounts than Experian and XXXX. 

They have failed to help with reporting XXXXXXXX XXXX XXXX  as an open account. XXXX has fixed this with no problems. They are claiming no data was given the past 3 months and that it was recently reported closed which it is not. Company also has refused to remove multiple hard inquiries placed in an abusive manner on my report XXXX XXXX XXXXXXXX has not reported for the month of XXXX & account should have XXXX $ balance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I applied for a forbearance on my mortgage. In XXXX of XXXX, I contacted the mortgage company to end forbearance and apply for a modification of my mortgage. 
Initially, Mr. Cooper willfully misinterpreted my request and began to process a " partial claim. '' After requesting excessive documentation from me, they sent me a denial of my partial claim and cited VA guidelines as justification. 
I contacted the VA for guidance, and a helpful representative informed me that I need a modification, not a partial claim. Mr. Cooper should have been aware of this from the beginning and had no reason to fraudulently process a partial claim. 
Mr. Cooper then began to process a loan modification. They asked me for the same documentation as before, which I faithfully re-submitted. Then they asked me for the same documentation again. And again. 
To this date, I have nearly hundreds of e-mail requests for documentation, all of them identical. I have replied to each unique request, and in many cases, I have submitted repeat requests for documentation. However, Mr. Cooper shows no progress or intention to process my request for modification. Some of their requests have been truly impossible to procure, such as notarized and translated utility bills and tax information. 
It has been seven months since I began this process, and in that time, my delinquent balance has ballooned to an unmanageable amount. I fear that this balance will continue to grow until Mr. Cooper is forced to foreclose on me, because they are unwilling to process my modification in good faith. I have repeatedly offered to resume monthly payments to prevent the growth of my delinquent balance, but Mr. Cooper has rejected my attempts to make responsible loan repayment. 
I am attaching just one of these recent requests for documentation in conjunction with proof that I have submitted aforementioned documents. 
In summary : Mr. Cooper refuses to process my modification, repeated requests copies upon copies of previously submitted documentation, and refuses to accept monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: TN
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 2022-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX ( XXXX : XXXX XXXX ) XXXX XXXX : {$130.00} XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$240.00} KXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX PA ) XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00}

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 non-monetary relief
Consumer complaint received 2022-08-01
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: LEXISNEXIS
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:
This company, which never received any sort of consent from me, is using my credit card and reporting/selling my personal non-public financial information to no benefit to me. In fact, they are hindering my access to open accounts and maintain my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Celsius US Holding LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Good day, Thank you for taking the time this complaint further to Celsius debacle.

The lack of transparency from Celsius and the blatant lies from its founder XXXX have led me to deposit my Bitcoin assets on a Celsius wallet, with the conviction I would be able to withdraw them whenever I wished to do so. 
While their Terms Of Services specified the assets held on an Earn account were the property of the Celsius platform, the funds on a Custody account were supposed to remain the property of the depositors, hence the possibility to withdraw them at any given time. Neither the market fluctuations, not the poor risk Management, or whatever other unacceptable excuses their Counsel can come up with, can go contradict their clear Terms Of Services. 
I exactly have XXXX BTC held on a Custody wallet and from XX/XX/2022, I have not been able to withdraw them. 
This goes exactly against their own Terms Of Services. 
The difference between an Earn account and a Custody account is also emphasized in the way the portfolios are displayed on their mobile app. Misleading the depositors a bit more. 
Thank you for your help as I am XXXX XXXX and stressed to recover my Bitcoin which I was promised were safe and easily accessible. 
Truly Yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
They sent me an airline miles offer direct to my home address with my airline miles number included. I submitted an application was approved and was sent a card. I needed to spend XXXX number of dollars to receive the miles. They charged me {$450.00} for the annual fee. American Express said I didn't qualify since I already had that card even though I was just {$250.00} short after the required time which started the day they approved XXXX card not the 2 weeks later or the day my card was valid so I didn't receive the bonus the XXXX time. This time they charged me {$450.00} for an annual fee and said since I already had the card and was not receiving the bonus, as I was not eligible, but they refused to refund any or all of my annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: MD
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:
Problem : Three ( 3 ) accounts in good standing for 20 years in which I am an authorized user have been removed negatively impacting my score. 

Reporting Agency : Equifax Creditors : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, communication was initiated because the XXXX XXXX credit card was reporting incorrectly. As a result, the debtor was removed from the report when I asked for a correction. 

XXXX card was reporting incorrectly. As a result, I called XX/XX/XXXX to have issue resolved. It too has been removed. 

XXXX XXXX is also reporting incorrectly. I'm hesitant to ask for a correction due to the history of removals in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any INQUIRIES which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX M Date of inquiry : 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 non-monetary relief