BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 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: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: IA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXXXXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$550.00} WXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/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 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 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 2023-09-22
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: Information belongs to someone else

Complaint:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were 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. 
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: Closed with non-monetary relief
Consumer complaint received 2023-09-18
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Despite Serval Attempts, Credit Reporting Agency Failed To Show Validation of debt And Failed To Send Dispute result Via USPS MAIL HAS REQUESTED, and keeps saying the account is verified with no documentation to back that claim up I demand this inaccurate account be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
Before I separated from the military I filed my Benefits Delivery at Discharge ( BDD ). I let my lender and the loan processor know that I filed my BDD claim and had an extensive claim. If a veteran has at least a 10 % disability rating by the VA, they are not required to pay the VA funding fee. 

On XXXX XX/XX/2022 I was told, " I received the confirmation from the Lender just now confirming that unless we have the letter acknowledging the preliminary rating from the VA, the borrower must write a letter stating he acknowledges that once he closes, he will not receive a refund. 

I spoke with the borrower, and he indicated he does in fact wants to receive his refund after closing. The letter must be obtained BEFORE- not during or after unfortunately. '' Despite expressing that I have a pending BDD claim that is highly likely to be at least 10 %, I was told to write a letter stating that I will not receive the fee refund. 

Additionally, on XXXX XX/XX/2022 I was told, " Please indicate in the letter that you are fully aware and understand the Funding Fee will not be refunded to you once you receive your disability rating and status after the closing of this transaction. '' Despite expressing that this would greatly impact my financial stability, I was forced to write the letter so that I would not lose the loan on our house. We had no housing, since I was separating from the military, so I feel as if I was forced to comply to not be homeless. I relocated to a different state for a job, so this action caused great harm to both my mental health ( worrying that we'd lose our house, worrying about what to do with the fee ) and financial health ( having to pay an additional amount on a loan ). 

My agent, who is also a XXXX veteran, also pleaded for the mortgage company to let me submit my paperwork when it comes in and receive a refund. 

Ultimately, I received a XXXX XXXX  XXXX rating and I was charged {$9500.00} for the VA funding fee, which I would have qualified to have waived if the company had waited for my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: MO
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.

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

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

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

Company 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 2023-08-17
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 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 vears.

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. I demand these fraudulent items off to be removed 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Credit Collection Partners, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received notification of alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Credit Collection Partners. I contacted the law office on XX/XX/23 at XXXXXXXX XXXX and spoke with the receptionist. She advised that I would need to reach out to the hospital. I told her that I have been arguing with the hospital of the validity of the debt due to numerous billing issues with the hospital continuously billing the incorrect insurance. That all I wanted was a detailed billing statement showing 1. what was billed. 2. the insurance company billed 3. how the payment was allocated. My insurance has some items that are covered 100 % even if I have a deductible. The receptionist told me that someone would call me back as they currently had no access to my information. I contacted the hospital and the woman 's response in billing was to contact my insurance company for an explanation of benefits. A few days later the collection company mailed me a printed out report that was not legible to the normal non-medical person. I called back on XX/XX/23 @ XXXX and spoke to someone in the office who did not care to listen to what I was explaining to her. That the information was not what I had requested. On XX/XX/XXXX I received notice to appear in court on XX/XX/XXXX. When I went to court the attorney for the collection agency was advised that proof of the valid debt had not been given. I advised the attorney that I pay my bills. That I had been continually been given the run around by the hospital and the collection agency about giving me the information that I had requested so that I can validate the debt. I was given the business card of XXXX XXXX to contact on behalf of the collection agency. I emailed XXXX on XX/XX/XXXX. I explained to her that I have been asking for the information to verify the debt and my responsibility of it. XX/XX/XXXX I received a response from XXXX that her advice to me at this point was to ask for a bench trial. On XX/XX/XXXX I received notice in the mail from the collection agency that I was receiving a notice of hearing on XX/XX/XXXX. The total of the debt is {$700.00}. I have jumped through many hoops to try and get verification of information and have not received what I have requested. Had the information been provided upfront this all could have been avoided. At this time I feel they are trying to sue to add on extra fee 's which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
During covid I was promised a loan modification on my mortgage on the house I own, awarded to me by the judge in my divorce. The mortgage company I called over and over ran me around in circles with different stories each time I called to make a payment. It started with, " We don't have any divorce decree from the judge. We can not accept payments. '' Then turn around, " We have the modification package ready for you right here we are sending it in the mail now. '' It never arrived. I call and ask what's going on and get hit with yet another story of why they couldn't accept my payments. Meanwhile interest is adding up, and pretty exponentially I will add. The many times I call to figure it out no one gives me any direct answers, and of course I am frustrated. In an escrow account I had the funds to pay off at least 5 % of the damages caused through the whole run-around, and they still refused to accept my payments. I had to file bankruptcy in order for them not to take my home in foreclosure, which was entirely due to self-inflected usury. Not to mention my credit is ruined, and most importantly my morale. They filed an objection to my bankruptcy, which now they've withdrawn for some reason? I believe usury and forced foreclosure may predominantly lie as that reason. I believe this company will sit and wait, as they have, till I no longer have any fight or ability, and then try to get the property and any equity they can for themselves. I have since researched that this company has forced thousands of smaller class people such as me into this position, doing exactly that. I do not appreciate being taken advantage of, and no matter what happens next, it will take years of my life to get back on track due to the damage this mortgage company has greedily inflicted on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Chime Financial Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
THIS IS A FRAUD I DO NOT HAVE AN ACCOUNT WITH CHIME I DO NOT WANT TO HAVE AN ACCOUNT WITH CHIME THIS IS NOT MY PHONE NUMBER PLEASE EMAIL ME WITH ALL OF THE CORRECTIVE ACTIONS YOU HAVE UNDERTAKEN BY XX/XX/30!! 

Chime refuses to provide any information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, 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:
Equifax has not received written instruction to furnish a consumer report on my behalf in doing so Equifax is actively committing identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX we received a letter from Capital One Venture Card stating that our account had been closed on XX/XX/XXXX due to inactivity. To our knowledge, this was the first notification we received about this. On the same day, we called Capital One and spoke to their representative and a supervisor. They informed us that we lost all of our points which was well in excess of XXXX XXXX XXXX. Capital One said that even if we opened a new card, our points would still be forfeited and that there was absolutely nothing that could be done to rectify this. On XX/XX/XXXX we wrote to their complaint department and copied to their XXXX offices appraising them of our complaint. We received a phone call back stating that our complaint was denied. 
Our lives, like everyone else, were greatly affected during the first three years of the XXXX XXXX and we stopped traveling. We also limited our use of this credit card for personal reasons. If Capital One had sent prior notification that we were at risk of having our account closed, we would have taken immediate action to use the card. To our knowledge, we never received this notification. Those points were earned over many years of faithfully using our Capital One card and we should not be forced to lose our points in the manner in which this was handled. We were never delinquent in our payments, and are only guilty of not using our card in this most unusual time of the XXXX XXXX. We are elderly people who need these points to permit us to resume travel again. We had previously booked flights to XXXX using our Capital One card but had to cancel this trip due to the XXXX, so the points were placed back in our Capital One account. We would gladly open a new account, if in fact, our old account can not be reopened. However, we feel that it is quite unfair that our hard-earned points should be lost without prior notice and that as ideal customers we should be penalized and treated in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Chime Financial Inc
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a XXXX XXXX in the mail on XXXX XX/XX/2023. 

I called chime on XXXX XXXX to.report fraudulent activity. 
They said they closed the account. 

I asked for a record of.transactions. they said they could not provide it to me. 

I asked how the account was opened when my credit record were frozen. They said they could not tell me that information. 

They sent me an email how to request information, but required a police.or.ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
account # 1 XXXX XXXX XXXX reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report. 

Account # 2 XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease.

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

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were 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. 
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: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
My social security number is XXXX & on my credit report it has XXXX different social security numbers attached to my account.

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 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card from Goldman Sachs. I was denied because " I may already have an account or profile ''. 

The Marcus.com website will not allow me to reset my username/password, nor will it allow me to login to apply. 

I am being denied from applying for credit which is a federal violation of 15 USC.

Company response to consumer: Closed with non-monetary relief