BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Invalid debt from XXXX being collected by AR Resources and reporting to XXXX and XXXX credit bureaus. I filed Chapter XXXX Bankruptcy which was subsequently discharged in XXXX, file attached. All unsnecured debt acquired prior was discharged. Debt being collected predates the bankruptcy filing. I communicated with XXXX regarding this error via their secure portal in XXXX and XXXX. Large portion of this debt was acruded prior to filing date and therefore was discharged. I provided XXXX and AR Resources bankruptcy discharge documentation, explained in writing, neither has responded after 90 days and I am in turn prevented from taking action towards purchasing a home. I spoke to AR Resources on the phone re : bankruptcy discharge, no progress made. Debt reporting is not accurate. US Bankruptcy law is binding. AR Resources has not responded to four rounds of communication and needs to cease reporting to the credit bureaus immediately as their tactics are personally and financially injurious, in addition to being a HIPAA violation, which I also informed both entitites of, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, 2021-EQUIFAX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: IL
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:
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. 

I told XXXX to reinvestigate these accounts : Account name : 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 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage company roundpoint mortgage purchase my mortgage from my original lender and took control of the mortgage on XX/XX/XXXX of 2019 at that time it was discovered that there were issues regarding property tax payments from the original lender. I began the refi process in late XXXX making it very clear to the roundpoint mortgage representative that I was not going to and not able to bring any money to the closing and I was very clear of that both orally on the phone and in email. Nothing was ever said until we were about a week away from closing and then the issue comes up that I need to bring money to the table at the time of closing. The manager of the refi department at roundpoint went back and listen to all of our conversations and admitted to me that they did not make full disclosure about any programs about what my responsibilities were. Here we are now almost 14 weeks later I still haven't closed on my refi and I am going to be asked to bring money to the table. I was not given disclosure about what programs they were going to use what the requirements were for the program 's nor was I ever given the option to discuss what programs they were going to use for the refi. 
Now, if the refi doesn't go through I am going to be struggling for months to catch up not only with my mortgage but with my other debts due to the fact that I was told we were going to close in XXXX. This is not right, I want to close and I want to close the way will you agreed upon, silence is acceptance nobody ever said anything to me that we can't do a refi unless you bring money to the table.

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 2023-05-30
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: Problem with personal statement of dispute

Complaint:
I was issued a credit card from XXXX about a year ago. I was approved for a credit limit of {$9500.00}. I paid more than my minimum payments that were due for most of the year without ever being late. I believe my balance will reflect that I paid more than the minimum amount due within the year I had my card with XXXX. 

About 3 months ago, XXXX sent me an email asking for personal information regarding my income taxes. I thought it was kind of suspicious, seeing that I had been my all of my payments in a timely manner. 

They sent me the email and before I could respond to their request, within a few hours, they blocked my credit card. They never even gave me a chance to respond before initiating a block that caused me unnecessary inconvenience and embarrassment, as I had tried to use my card in the interim. 

Since they have blocked my card, I have made 2-3 timely payments and they informed me they were closing my account. Needless to say, this has affected my credit in a negative way even though I have never been delinquent with XXXX. 

I believe this is unfair because had they given me time to respond, I would have and we would never have had an issue. I did get very upset and was very slow and never did respond to their request for more information because I felt I was not being treated fairly. 

Please let me know if there is anything you can do to offset the already published views of my other creditors for being cast negatively, even though, I have never been late with this or any of my credit cards.

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 2021-05-06
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: Investigation took more than 30 days

Complaint:
XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX Mortgage Reporters  XX/XX/XXXX Experian XXXX XXXX  XXXXXXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Real Estate, Sales and Rentals XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Newport Intermediate Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was given this prepaid card as a form of payment on XX/XX/23. The expiration was a very short 4 months later on XX/XX/23. I was unaware these cards expired so quickly so I inquired with prepaidsolutions.com to reissue the card. They said since the card expires the balance has been forfeited. They refuse to say where the fund were forfeited to or to reissue the card which had a significant sum of money on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Equifax score has not been showing up on any credit monitoring services such as XXXX XXXX, etc. since XX/XX/2023. 

Equifax account shows the following error after I log in : " Please give us a call and give this code to the Agent : XXXX. 
Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). '' I talked to their customer service agent and she had no idea what that is. She says she has escalated this issue to the technical support team and will hear back from them through email. I haven't received anything yet. 

I remember when I was trying to get access to my 'My Equifax XXXX account before XX/XX/2023, the rude customer service agent illegally deleted my SSN from my Credit File just because it did not have my most updated address on it. Even after giving him my old address to verify my identity, he said something along the lines of, " Because you do not have the updated address on here I will not be able to help you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-15
Company: OPORTUN FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Company is Oportun Visa Credit Card Address : XXXX XXXX XXXX XXXX XXXX  TX XXXX /On XX/XX/XXXX at XXXX I spoke with a Oportun Representative, I requested that the account be closed and that since it hasn't been 30 calender day that the annual fee be waived since I will no longer be using the card, I requested that they both, ,email and mail me a Debt/ Payoff letter that details and state the correct status of the account, that it is closed with a zero balance, due to the annual fee being waived, that representative said that, that wouldn't be a problem, she stated that the account is being closed, a request for the annual fee to be waived will be submited, she stated XXXX minutes later that the request for the fee to be waived had been approved, she stated that I would receive a Debt/Payoff Letter that will include information and details that show the account is closed with a zero balance and that the letter will show the annual fee has been waived and I XXXX XXXX XXXX am not responsible for the annual fee, unfortunately on XXXX XXXX, I received a letter that only stated the account is closed and that their is a remaining balance, which their shouldn't be, I was no longer using the card and that the representative promised I wouldn't have to pay the annual fee because I'm no longer using the service, it appears that Oportun Visa Credit Card has already violated FTC Section 809, by refusing to provide me with the correct requested documents or document that states I'm not obligated to pay the annual fee, what companies like Oportun Visa tend to do is deliberately avoid providing information that exempts the consumer from paying fees that are no longer valid after the account has been closed, then they commit that act of inaccurate credit reporting by reporting false information on the consumers credit report, violation of FTC Section 807 ( False and Misleading Representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
Dear American Express, The account of American Express on my credit report with 3 CRAs are inaccurately published. This account has been closed in XXXX XXXX. A charge off account can not have any activities after the closed date. CRA and furnisher stated the information has been verified and reported accurately. But how come there are inaccuracies reported which is a violation to my consumer rights of FCRA. Furnisher must update CRAs and vice versa of changes. I need this account deleted immediately and update CRAs. See attachment of letters of Amex for verification of info. 

Also, I will need the procedures of this reinvestigation and identifications of data and persons who will be involved if this inaccurate tradeline is not deleted.

1. Account number is wrong ( XXXX ) 2. Date of last activity is wrong ( XX/XX/XXXX ) 3. Status date is wrong ( XX/XX/XXXX ) 4. Highest balance is wrong- ( XXXX ) 5. Balance is wrong ( XXXX ) 6. A charged of account can not have any activities after closed date of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: MS
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 only the 4th time that I have sent this complaint ... With NO corrected response. Everyone is obviously not reading the complaint and absorbing the information in their brains for processing! AGAIN... why not pull the complaint out that I have sent certified and by email ... give it to someone in your LEGAL department that has some education and can read. I think what I really need to do, is just turn this case over to MY attorney and file suit against every XXXX that should be fired for their incompetency.

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 2021-05-06
Company: Coinbase, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX # XXXX - I trying to update my email address to a new email My account was deactivated Tuesday XX/XX/2021 at XXXX XXXX Coinbase support hasn't been too helpful. I get the message Sorry, account temporarily disabled. Please contact support. I've been without access to my account and funds since Tuesday XX/XX/2021. I have provided an e-mail below is the last message I received from Coinbase. 

From : Coinbase Support <help@coinbase.com> Date : Tue, XX/XX/2021 at XXXX XXXX  Subject : [ Reply ] Case # XXXX - I trying to update my email address to a new email To : XXXX XXXX Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Back in late XXXX I received an email from XXXX saying that the application for my new bank of America credit card was being processed, as soon as I saw that I called Bank of America and told them that the account created was not mine, and that I wasn't the one that opened it. They proceeded to tell me that they didn't have any account open with the info that I provided them- that being my name, the address they used, and an ( XXXX ) number. When I didn't get any answers from them I called XXXX and they opened an investigation as well as a freeze on my credit report. On XXXX XX/XX/XXXX I received an email from XXXX saying that a new account was posted on my credit report so I called XXXX again and they said that no dispute had been claimed before ; so I opened a new one and made sure it was filed this time alongside the freeze. Today XX/XX/XXXX I received an email saying that they had closed their investigation and that they concluded after talking to Bank of America that the account that was opened is mine and they can not take it off from my credit report or close it. I called again this morning and re-opened my claim, this time I will have this identity theft report to help me since I didn't have it last time.

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 2021-06-02
Company: BMW Financial Services NA, LLC
State: NY
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:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reported identity, theft, and fraud to chase bank beginning in XXXX, and have filed identity theft with FTC. I am now in a homeless shelter yet Chase Bank continues to allow fraud to continue when I do not even have the debit card. This is in multiple thousands of dollars I have spoken with customer service over phone and in bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian, XXXX recently replied to me regarding a complaint, stating XXXX information furnisher verified the following bankruptcies as accurate verified - XXXX  XXXX XXXX  cases ; XXXX, XXXX, XXXX. Bankruptcies we're fraudulently filed in my name Identity Theft. I will attach the letters from XXXX stating Bankruptcies we're removed. I provided to XXXX ftc report, police report information. XXXX has been violating my fcra right 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer. 
12 CFR 1022.123 ( b ) ( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address XXXX street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.

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