BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Per Equifax reinvestigation confirmation dated XX/XX/XXXX, Equifax has provided my information to XXXX XXXX, XXXX, and XXXX without my permission and authorization. I did not file a dispute concerning these XXXX companies. I do n't have an active account with XXXX XXXX. I have never had a XXXX account. I do have an account with XXXX, but I do n't have any disputes regarding my XXXX account. It hasnothing to do with my account Equifax dispute. Also, per this confirmation, Equifax has removed my home address from my credit file. I did not dispute my address and Equifax has refused to tell me why they removed my home address. Equifax requested a copy of a bill showing my home address. I provided Equifax with copies of my current XXXX XXXX XXXX bills in order to restore my home address as the 1st previous address on my credit file. My PO Box address is listed as the current address. My issue with Equifax began with a fraudulent inquiry from XXXX XXXX XXXX. Following my request that Equifax remove thefraudulent inquire, Equifax has continued to escalate the issue by removing my home address and now sending my information to XXXX more companies. I have contacted Equifax via telephone numerous times and by submitting numerous disputes. I have placed a security freeze on my credit file. As a result of the credit freeze, Equifax sent me a letter stating that they have received a new address and change of address request. I do not have a new address and I did not submit a change of address. Equifax is referring to my PO Box as a new address. My PO Box has been on my Equifax file since XX/XX/XXXX. It is not new. I have attached a copy of the confirmations dated XX/XX/XXXX and XX/XX/XXXX, along with a copy of the change of address notification that I received. This is beyond ridiculous! 

I want to know what information was provided to XXXX XXXX, XXXX, and XXXX. I want a copy of the documents that were provided to each of them. I want to knowwhy my information was provided to these XXXX companies. I want my home address restored as the 1st previous address on my credit file as it was on my Equifax XXXX dated XX/XX/XXXX and prior. I want a correct copy of my Equifax credit file that includes my physical home address as the 1st previous address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XX/XX/2022 XXXX decided to close my account despite stellar payment history. When I called them the rep at the time said they decided to not do business with me any longer. I had the account for just on the nose of 6 months and it was my Fidelity Rewards which I loved. Losing a $ XXXX credit limit has negatively impacted me especially since I am in the process of purchase a new home. Recently as of last week XX/XX/2022, when I made another inquiry regarding this account, the reps couldn't see the reason at all why the account was closed in the first place and I was transferred XXXX different times.

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 2022-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with Credit Acceptance and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.

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 2016-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This XXXX account for {$60.00} showing XXXX XXXX XXXX on my credit file this account was previous deleted from another credit bureau and this account also do not belong to me. I have call the original creditor XXXX XXXX XXXX who does n't show this account. I do not know why XXXX is still trying to report false and inaccurate information on my credit file. I need this information deleted and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX has assessed fees in excess of its own policies. Refuses to remedy any billing errors and closed my account without prior notification or clarification as to why. Please See Attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: WA
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:
Experian EXXXX Failure to remove XXXX information from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I was seeking information on lower interest rates for mortgages for my Daughter. When the form asked for my SSN, I opted out not wanting to give my SSN since I was not inquiring for myself. At this point I assumed it would close the form and no harm done. This appeared as a hard inquiry on my XXXX and Equifax Credit Report that resulted in lowering my Credit Scores.The company that filed the inquiry was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus has been claiming that we are a month or two behind and missing payments in our mortgage. This claim started happening once we were discharged from our Bankruptcy. We have received notices claiming we requested to modify our loan ( which we did not ) three days before receiving our actual mortgage statements. We bank online and do not wait for the statements to pay our mortgage. We have requested on several occasions for Seterus to send us the proof we are behind and missing payments. What they sent us does not prove it. We also responded with the proof all payments were made. The months they claimed we are missing were months we were with XXXX XXXX XXXX and we have proof we made all payments to them as well. We are being harassed by Seterus and they have dinged our credit with false information. We have tried to work with them through no avail to resolve this issue. Seterus are rude and accused us of refusing to accept that we owe them money. Please investigate this company, there is something seriously wrong with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XXXX XX/XX/XXXX my cash App account was accessed and {$1000.00} was sent from my account to another person 's cash app account. I then contacted cash app explained to them while the charge was still pending that it was in fact an error. cash app explained to me that they can not stop a transaction while its pending. that I would have to try to contact the recipient and ask them to cancel the transaction. unable to do so for several days I spoke back and forth between cash app representatives and supervisors. after unsuccessfully being able to resolve the matter the account status updated to complete. I then contacted cash app again and explained to them that the transaction is complete and if we can now work on refunding or reversing the transaction after several hours of countless transfers to different departments and representees. i was then informed that because it was completed, they could not do anything to reverse payment and that i would have to get XXXX with the bank on file that's link to the account where the funds were transferred from. I then did exactly what i was instructed to do and reached out to my bank who then investigated and refunded me my money from cash app. cash app then went back into my cash app account and over drafted my account for the {$1000.00} my bank disputed with them leaving my account XXXX already had a positive balance of over {$400.00} when they went into the account. i really need my money back. this company totally mishandled my case and have no protection for victims

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
XXXXBarclay 's XXXX placed with collections and did not allow me to rectify and pay erroneous balance of {$310.00}. When I contacted the collections agencies they did not have the account and could not take payment for me to bring it to resolution. XXXX told me that this XXXX  account could not be rectified

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 2015-09-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed items with equifax multiple times on items I knew that did not belong to me. XXXX conducted their investigations just fine and deleted the fraudulent i tems. Equifax refuses to delete them, however. They have given me no other choice but to file a complaint against them and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report shows that I owe XXXX XXXX and this particular debt collection agency is collecting the debt did not notify me of this debt and give me a chance to respond. I was successful in getting this deleted in XXXX out of the XXXX credit reporting agencies, but ca n't get Equifax to budge unless I pursue this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Under Public Record Information : All my credit reports are showing this information, A Chapter XXXX Bankruptcy which shows it was Dismissed which in fact it was not, further more I never filed a chapter XXXX bankruptcy and after contacting the bankruptcy court myself they told me removing this information off of my credit report is the credit companies responsibility not theirs. I have tried and failed to get the credit bureau 's to remove this false information off of my credit report so now I 'm needing a higher authority to help me get this information off of my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Seterus, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am real estate attorney who is trying to pay off a loan being serviced by Seterus , Inc. Seterus refuses to give me payoff amount because they received this loan Fourteen days ago and have not yet sent my client a welcome letter. My client only wants to pay this debt off in full. Seterus has informed me that it will be another XXXX Days before a payoff can be generated, although they acknowledge that they are the servicing company for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, Affirm has retaliated against us after the filing of Complaint ID XXXX. 
Affirm responded to our complaint and said : " if this loan does not receive a payment on or before XX/XX/2022, the loan will charge off and may be sent to one of Affirm 's third-party collections partners ''. This response was made on XX/XX/2022, the deadline set by Affirm. 
In essence, Affirm immediately discharged the loan as a result of this complaint by setting the deadline as the same day as their response. It would have been impossible for us to comply with this request. Affirm should not be allowed to retaliate against people who file legitimate CFPB complaints after their own customer service has made no good faith effort to provide resolution. 

Nor does this take into account the core of our complaint. As stated in Complaint XXXX Affirm is not accepting payment from me. Neither by my previous method of payment, which they randomly stopped accepting, or additional methods of payments I have attempted to use. Affirm 's customer service provides no support, and it is unreasonable to ask me to continue to set up new methods of payment when multiple have already been tried. 

Affirm also ignored the context of Complaint ID XXXX, where we demonstrated that Affirm had received payment that was deducted from our bank account and then failed to credit the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX of 2015, I did a transfer fee to my Discover Cards in the amount of {$3300.00} to consolidaye my debt. I opted for the 0 % APR with a {$99.00} transfer fee. However, I was then being charged a " Minimum Finance Fee '' of {$0.00} per month. Come to find out, this was interest on the " Payment Protection Program '' I was enrolled in that is assesed monthly. The " Minimum Finance Fee '' is automatically charged the same time as the " Payment Protection Program '' fee because I have a running balance due to the transfer ( even though that running balance is at 0 % APR ). There is no way for me to pre-pay this " Payment Protection Plan '' fee except by paying off the total amount owed, which is currently {$1500.00}. They claim this is because of " Daily Residual Interest '' but they do n't even give me 24-hours to pay off the " Payment Protection Plan '' fee. Is this legaL?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: N.A.R., Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
the agent/case handler threatened to garnish my wages if I did n't pay the balance off. without a proper court order/judgement they are n't not allowed to garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
As a victim of identity theft, I had no choice but to put on a credit freeze with all three agencies. Now when I need to refinance my home and put on a temporary lift of the freeze Equifax forces a {$10.00} fee for this. Why? What do they need this money for? It 's simply not fair. This is not a service they are providing me! This is protection of my identity so that I can function in commerce despite the awful system these credit reporting agencies perpetuate. I have no choice in this matter. Why must I pay {$10.00} to protect my credit and lift this freeze. This service should be free!! This is yet another unfair burden on the People.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have the Discover " it '' credit card, this company seems like its a scam. I had the card for about over three years now. My over all balance is about {$7500.00}. I pay my bill every my bill every month some times late but nevertheless I pay the bill. I have been harassed and aggressively hounded by discover sometimes every day until I make a payment even when I already made a payment for that month. None of my other billers, utilities, or credit cards do what discover card is doing. My balance is not going down. at all it is still {$7500.00} over XXXX years of paying my bill, on time in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pioneer Credit Recovery contacted me directly to communicate on their behalf to a neighbor of mine for debt collection. They researched addresses closest to the person they are trying to contact and found my number. I feel this is illegal and a gross violation of my privacy and that of my neighbor. It is not my job to communicate with their collections. I have no right to know my neighbors business.

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 2022-10-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX*15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I called Carrington Mortgage to inquire about my home loan modification. 
I was told it was still in processing. I followed up several times until XX/XX/XXXX when XXXX advised me the paperwork was lost and now invalid due to missing date. They said I would have to go back to XXXX and pay up to date to keep my loan modification. After I filed complaints with the XXXX and XXXX XXXX they sent revised docs in XXXX with an XX/XX/XXXX due date for the new modified monthly payments. I received a new set of documents in XX/XX/XXXX that was signed, notarized and submitted to Carrington Mortgage in XX/XX/XXXX. I received final process documents dated XX/XX/XXXX with my first mortgage due XX/XX/XXXX. As of XX/XX/XXXX, the monthly mortgage amount changed due to their XXXX failure to calculate the escrow correctly therefore it didnt pass quality control so as of XX/XX/XXXX XXXX at XXXX would have new documents sent to me with the correct monthly mortgage payments for signature and notarization. XXXX arranged for a notary to meet at my home. The documents were notarized signed and return to Carrington Mortgage. On XX/XX/XXXX, Carrington Mortgage notified me and my attorney that the paperwork failed quality control due to notary 's county didn't match the county of residence. On XX/XX/XXXX CM arranged another appointment for me to meet with a notary on XX/XX/XXXX. I didn't receive word that the docs passed quality control until XX/XX/XXXX when I reached to XXXX XXXX via email and he confirmed the docs had passed quality control and in the process of having the modification finalized. I emailed XXXX XX/XX/XXXX XXXX XXXX and XX/XX/XXXX because the mortgage due date remained XX/XX/XXXX and was not adjusted based on the revised docs with a correct notarization and final docs not being received until after XX/XX/XXXX. He has never responded to my email. I noticed the forbearance was extended until XX/XX/XXXX which also prompted my emails. I called XXXX today and was advised that the paperwork couldn't be amended because it has already been filed with the county and I would have to pay XXXX and XXXX or my loan modification will be cancelled. I am prepared to pay XXXX since the final docs pass quality control, filed with the county and I received the final doc but not XXXX with invalid docs.

Company response to consumer: Closed with explanation