BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: AXOS FINANCIAL, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have over {$80000.00} stored in an investment account with Axos Bank. I have attempted multiple times to transfer this money to my checking account with XXXX XXXX XXXX XXXX, with my first transfer on XX/XX/XXXX. These transfers have not gone through, and have disappeared from my transaction history. I have contacted customer support on XX/XX/XXXX. They claimed to be fixing the problem, but I still haven't gotten my money after waiting 8 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Shellpoint Partners, LLC
State: NJ
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 lost my job XX/XX/27 immediately called mortgage company they put me a short term forbearance. Then right before like they told me two weeks before my forbearance was going to end i called to ask for an extension as i still was nothing working. I sent everything i needed too never heard of any lapse. Everything I was told to do I did timely. All of a sudden i look at XXXX XXXX and my score dropped XXXX points due to no fault of my own. My mortgage doesnt kick in until XXXX which i am trying to get a modification but they ignore me. I have left messages for a supervisor to call me i get nothing They are reporting me five months past due I AM ON FORBEARANCE I would like all this removed from my report as this is false, my account has been flipped through so many agents every two weeks its crazy when i submit paperwork then all of a sudden i get a letter your new point of contact. not one letter saying i am past due just they you are on a short term forbearance or an extension was granted

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
there is a collection report that no matter what I do or talk to it keeps coming up in collections. there's 3 different companies who I suspect they are affiliated. the original creditor was XXXX ( I think it is charge off ), I think. The amount is for {$500.00}. I report it to experian that it is not my account. I have told them that I have report it to the XXXX XXXX XXXX. That is to say I reported my I D has been stolen, birth certificates etc. But still ecperian has the same results and does not change. They seem to have record to to help the collectors and not me. Also, experian has on file and have told me that my name/ID, has come up over 40 times in the deep webb XXXX And yet they don't believe me.That the info is wrong I don't owe any bills to XXXX. is there anything this agency can do for me?

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is in violation of 15 usc 1681a ( 2 ) ( B ) ( d ), 15 USC 1602 ( I ). 15 usc 1602 ( I ) mentions the term credit which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. The credit card is my social security card and what is used to originate the transactions listed on the attached file.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 2021-10-21
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Atlanticus Services Corporation
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/FORTIVA Account XXXX : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Veripro Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX - Ex-fiancee and I obtained a 2nd loan for approximately {$63000.00} from XXXX. 

Loan was transferred to XXXX. Appromately XXXX. 

XX/XX/XXXX - Relationship ended with fiancee. 

XX/XX/XXXX, XXXX Loan was sold to VeriPro Solutions for {$62000.00}. 

XXXX XXXX - Received a lump sum payoff quote letter from VeriPro Solutions for {$51000.00}. 

XX/XX/XXXX - Received a Payoff Letter from VeriPro Solutions while in escrow to sell the subject primary single family residence for {$91000.00}. 

XX/XX/XXXX-XX/XX/XXXX - Contacted the lender to request and negotiate a " reasonable '' payoff amount. They were not willing to be reasonable nor to negotiate since the property was in escrow and in their opinion, there was enough equity for the payoff with no regard to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: PA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
all three bureaus XXXX, XXXX and Equifax are reporting inaccurate information on credit report account open on XX/XX/XXXX by XXXX while XXXX and Equifax reporting date open as XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last reported as XX/XX/XXXX by XXXX while XXXX reports XX/XX/XXXX and Equifax report XX/XX/XXXX. 
Date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX while Equifax reports XX/XX/XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stated incorrectly. Stating the date of last payment as XX/XX/XXXX while payment history is reporting OK as agreed all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax while XXXX is reporting consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment. This here is a huge mistake that is hurting my credit score and holding me back from obtaining credit. there is no possible way that XXXX XXXX can report perfect payment history while the other bureau is reporting the whole opposite. XXXX XXXX makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. 
how is it possible that this account is meeting our requirements when you can clearly see that Equifax is reporting payments up to XXXX and date reported on date of last payment stops XX/XX/XXXX total mistake here. Theres no way that all three bureaus can be right if information is coming from the same furniture data. This account is only updating the date last reported re aging and pushing back the date it should fall off. It is not acceptable delete immediately account as a total mistake itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: Avant Holding Company, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX I was notified by XXXX that a credit inquiry had been done on my account through XXXX by XXXX XXXX. Having not applied or any knowledge of new credit or AVANT I contacted Avant to obtain more information which they were not forthcoming with. After several calls I eventually made it through to a fraud area at Avant and filed and inquiry on XXXX indicating I had not applied or had knowledge of business with Avant. On XX/XX/XXXX I received an email from Avant indicating a credit card was approved and issued in my name while requesting completion of an affidavit. After completing their affidavit, police report, and IC3 report I submitted to them the requested information on the same day. On XX/XX/XXXX I received a similar email requesting similar information again which I again replied with the affidavit as they had asked. On XXXX XXXX notified my the credit card now had a balance and I again called Avant asking for them to stop the card. They do not seem interested in terminating the card in a timely manner given the seriousness of the issue. I am concerned they may be trying to collect fees or falsifying accounts similar to what XXXX XXXX did several years ago. Very frustrating and time consuming for a consumer who has worked hard to obtain excellent credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: CA
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:
A bunch of accounts that are open in my name and incorrect information on my report and I want a thorough investigation of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX. XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX To Whom it may concern, Good evening Transunion XXXX how are you doing today? Im wonderful! On XX/XX/XXXX File number XXXX you Verified these accounts Accurate. The following accounts have been in Collections since ( XX/XX/XXXX ). Since then the accounts have repeatedly been updated as a collection every month. This is an update in the payment history which to my understanding collection accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX Best Regards, 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 2023-02-23
Company: Experian Information Solutions Inc.
State: WA
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 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  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 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 2021-10-21
Company: EQUIFAX, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The remaining balance with XXXX finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to Transunion and XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.

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 2023-06-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw that this bill was added to my credit report, I have never received this bill. I called PHOENIX FINANCIAL SERV ( XXXX ) XXXX on XX/XX/23 XXXX and explained to the lady on the other end that I have never received a bill and that it wasn't my bill. I was seen at the XXXX around that time and I paid my bills. I requested the original bill. On XX/XX/23 I received a letter in the mail, with a generic print out, no even from the original creditor. 
I called back to PHOENIX FINANCIAL SERV ( XXXX ) XXXX on XX/XX/23 and told the man I spoke with that this isn't my bill and I want to see the original bill, he told me he would request it and its now XX/XX/23 and I haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi Consumer Financial Protection Bureau ( CFPB ). My SoFi Money account has been frozen since XX/XX/XXXX. Today is XX/XX/XXXX. IT HAS BEEN OVER 90 DAYS, AND MY SOFI MONEY ACCOUNT IS STILL FROZEN. My account balance as of XX/XX/XXXX is {$4400.00}. Numerous calls have been made to SoFi, but no one is able to help me. My account is still frozen. It should NOT take this long to resolve any issue if there is any issue with my account in the first place. I want my SoFi Money account unfrozen and to have access to my money immediately. Feel free to contact me if you need my name, account number, or any other information. Please help me resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid 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:
They promised to provide, {$300.00} credit statement after purchase, when I called them they said you are not eligible. Amex makes false promises and they don't have the courtesy to inform on the same, there was no communication on why I was not eligible and what happened. This is a fraud they do to their customers beware of these scammers. Amex you are the worst.

Company response to consumer: Closed with explanation