BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
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 believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
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. 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

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 2023-11-07
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:
I am submitting this written request for an investigation into specific items that I believe have been inaccurately reported. These items contain errors that are causing me both financial and emotional distress due to their adverse impact. The following items should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items should be removed from my credit file ASAP. The items listed are entirely erroneous and require correction. I am aware that, in accordance with the law, you are obligated to conduct an investigation within a thirty-day period. I eagerly anticipate your response. Take note that I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
VENMO incorrectly is blocking my account over {$50.00} from a transaction from XX/XX/19. 

Venmo incorrectly pulled out the money twice and notified my bank XXXX of the duplicate. 

Now Venmo wants {$50.00} to reopen the account when the mistake was on them. 

I just need them to give me access back to Venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Marcus Goldman Sachs in XXXX. In XXXX my twin sister opened an account as well. Since that time both of our accounts have been forced closed without notice. When I called to get my account unlocked I was notified of this. While on the phone, the representative stated I would have my funds back in 7-10 days. Every time I call I get a different answer. When I called this morning Im now being told that my funds will be locked until XX/XX/23. I am not okay with this. My sister spoke with someone who said her funds will be released back to the original bank within 1-3 days. I need this resolved sooner than XX/XX/23 and Im hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: IN
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I signed up for auto payment of my student loans with my new loan servicer, Mohela. 
Student loan repayment resumed in XXXX. My account was not debited, and I received a letter from Mohela saying that my account was placed into forbearance. I called and was on hold for 2 hours and 19 minutes, which is unacceptable. The US Department of Education should have customer service metrics and requirements for contracts, and there should be penalties for wait times this long, since they indicate the company is focusing on profits over customer service.

The person I spoke to said there was no reason that she could see for the administrative forbearance on my account. She also noted that many other people had there loans placed into forbearance. Not knowing the profit terms of their contract, I worry that Mohela may have done this to squeeze out extra interest on loans. 

When I asked the customer service person how I could submit a complaint to Mohela, she told me there was not a way, and to reach out to the Dept. of Education, which I had already done. I then waited on the phone for 25 minutes while she waited to find out how I could complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are no derogatory items yet the report on annual credit report has a number 1 next to potential negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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'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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate the lending practices of Rocket Mortgage. In the past XXXX years, I have attempted to remove the PMI insurance after my equity significantly increased. Initially, Rocket suggested using my home equity without the need for a new appraisal. When I asked to remove the PMI, Rocket demanded a new appraisal. I contacted Rocket to schedule the appraisal, and now they claim that they will only deduct the appraisal fee from the checking account on file and refuse to accept any other form of payment. I couldn't find this requirement anywhere in my loan agreement forms. I asked Rocket to provide their demands in writing before authorizing any deductions from my account, but they refused. 

I urge the CFPB to either enforce or enact new laws to prevent this abusive and deceptive business practice, where mortgage companies can unilaterally determine the payment methods for services that I am obligated to pay for without any written agreement being in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I received a collection notice on my credit report of XXXX and XXXX from Aragon account. I sent letters in XXXX of XXXX up until XXXX of XXXX stating that this is not mine. All they say was it was verified. never how or once showed the original document.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
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 Account Number : XXXX - {$0.00} - XXXX  Account Name : XXXX  XXXX Account Number : XXXX - {$800.00} - XXXX  Account Name : XXXX  XXXX Account Number : XXXX - {$0.00} - XXXX  Account Name : XXXX  XXXX Account Number : XXXX - {$0.00} - XXXX  Account Name : XXXX  XXXX Account XXXX - {$2500.00} - XXXX Account Name : XXXX XXXX Account XXXX - {$2800.00} - XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX {$16000.00} - XXXX Unauthorized Inquiries : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-07
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2023-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Wells Fargo/Bilt Card services failed to properly investigate a fraudulent charge on my account from XXXX. I was puzzled as to who/what the merchant was and initially indicated that I suspected it was an over-charge from a sandwich shop or something of that nature ( where mexican pesos were substituted for USD ). The charge in question is for {$990.00} and I was not a party to any transaction of this size. Upon further investigation on my own I determined that the charge was outright fraudulent as I was never in the area of the indicated merchant address.

I have communicated in good faith with Wells Fargo / Bilt card dispute team who insisted all communication be via fax. The disputes analyst insists that I provide a receipt for a transaction I was not a party of to " prove '' that it is fraudulent. My request for an investigation was rebuffed and I was asked to provide a receipt. No effort was made to contact the merchant or obtain a signed transaction receipt from the merchant or attempt to identify the nature of the transaction. The merchant where the fraud occurred was not even contacted and the amount was not suspended. There was zero documentation provided to me to indicate this transaction was valid. I am unable to even obtain the contact information of the merchant where the fraud occurred. 

My request to reopen the dispute after it was closed because I failed to provide a receipt for a transaction I was not a party to was rebuffed. The dispute was again closed the same day additional documentation explaining why the transaction is fraudulent was furnished. 

The card in question comes with a " zero fraud guarantee '', however the issuer is ignoring the spirit of said guarantee by not even investigating the charge, or providing any documentation as to the nature of the transaction or, reason why the dispute analyst believes it is valid.

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 2023-08-09
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My name is XXXX XXXX. My s.s. # is XXXX. My DOB is XX/XX/XXXX. On XXXX XXXX I received a credit alert via XXXX to advise me that a account was open with Vystar Credit Union. I called this bank and initially they advised me that they can not close the account until I file a police report. I ran to the police station and filed the report. The case number is XXXX. The officer is XXXX XXXX. Her badge # is XXXX. Her phone number is XXXX. Finally once I left the police department, after pleading with the bank, they agreed to place a hold on account and advised me that they did not see any activity other than a deposit of {$5.00}. Im very concerned as my husband and I have had very weird incidence since our information was compromised with XXXX XXXX in 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 2023-07-11
Company: EQUIFAX, 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: 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 an 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am a victim of identity theft. I filed a police report and a FTC report and sent it to the credit reporting agencies. They are not processing my disputes correctly according to the FCRA and not attaching my paperwork to the disputes. And I am not getting copies of the verification process

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 2023-05-17
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEAR CAINE WEINER, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # XXXX Amount Owed : {$430.00} Original Creditor : XXXX Date Opened : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2021, a USPS notice of change of address was sent to XXXX XXXX XXXX at XXXX XXXX XXXX indicating a change of address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX to new address, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX see attached. ( 1 ) Why was XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX ( 2 ) What prompted the change of address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( 3 ) Why was there no explanation or alert/notice from SPS regarding this transaction ( 4 ) Where is the transparency? This is an unfair and deceptive act. ( 5 ) What mail ( s ) were sent to XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX Provide copies. ( 6 ) How long did XXXX XXXX XXXX reside at XXXX XXXX XXXX XXXX XXXX ( 7 ) The notice also states that " your mail will be forwarded to your NEW address, as you requested, on : XX/XX/2021- why was this change requested? and by whom was this change requested? ( 8 ) The notice also states, " mail will be forwarded for all persons at the old address of the following business : XXXX XXXX XXXX - what business was being conducted at XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXXXXXX  ( 9 ) Who granted SPS power of attorney to conduct business on behalf of XXXX XXXX XXXX? provide contract of power of attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
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:
I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. XXXX XXXX XXXXBalance Owed : {$15000.00}.

Company response to consumer: Closed with non-monetary relief