BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX, XXXX, XXXX XXXX sd, ( bank for my XXXX  XXXX  card ) sent me a notice that my account was past due. it was reported with the high balance to Experian that included exorbitant fees. i had paid. I sent the canceled check. they argued and did not credit and kept threatening that i had not paid. Experian did not remove the high balance and my credit score went down. I disputed with Experian, bank card said they did not have any information in letter format and that I needed to write them a letter. no.

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 2019-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon disputing this record, EQUIFAX failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX v. XXXX XXXX XXXX , XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2023-10-23
Company: NAVY FEDERAL CREDIT UNION
State: NV
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 this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with Eastern Account Systems. I am not liable for their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX
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:
Propagating false information that connects with my name. Improper usage and Improper authorization of my name that is tied to the accounts that needs removal of any false information tied to my name. And any incorrect address that's not my current address needs to be removed or any depth or accounts that tied to that incorrect address needs removal.

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 2023-04-28
Company: EQUIFAX, INC.
State: NC
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:
On XXXXXXXX XXXX XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 2 ) late payments, i wish for these late payment be removed from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvanatge is the current services for my loans. I applied for my SAVE plan on XXXX XXXX on XX/XX/23 and was told to do it again on XX/XX/23 and XX/XX/23. All documents have been submitted and I have callers over 100 times to try to get answers and all I am told is it will take 10-15 days to process. I have been cursed out and hung up on and talked to rudely by the customer service representatives and have yet to have my payments updated to reflect the new payment plan. I have been repeatedly been told the issue has been corrected but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I recently checked my credit report and I noticed numerous inaccurate inquires, accounts and information on my credit report please check the attachments listed in this complaint

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 2023-06-06
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2021-01-18
Company: EQUIFAX, INC.
State: VA
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 submitted a dispute last year in XXXX. XX/XX/XXXX to be exact and I haven't received anything back from the bureaus yet. According to law you have 30 days to complete an investigation and it's been well over 30 days and the incorrect items on my credit report still remain. They should be removed immediately. Am I being taken advantage of? I feel like I am. Again, section 611 a states that a failure to investigate those incorrect items within 30 days is a reason to remove them so with that being said I demand you the accounts disputed be deleted immediately or I will be filing litigation due to the stress you've caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received an American Express Reward Card as a gift. I received the card a few years ago. I just tried to use this card today and was told that it had a XXXX XXXX balance. 
I read the front of the card which stated that it expires on XX/XX/2025. I read the back of the card which stated that the funds will never expire. It also state that the card will be charged a monthly inactive fee of {$3.00} each month. Since I never opened the card until today I was not aware of the {$3.00} fee. I would like American Express to recharge the card back to the {$100.00} face value so I may use it. The card is not expired and they claim that the funds Do Not Expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Happy Money, Inc.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Happy Money , Inc. reported to XXXX on XX/XX/2023, that my accounts outstanding balance was {$18000.00}. Happy Money Inc.s records, according to their online portal, reflected my accounts outstanding balance to be {$16000.00} as of XX/XX/2023. 

My monthly minimum payment is {$1200.00}. The difference between {$18000.00} and {$16000.00} is {$2400.00}. Happy Money , Inc.s reporting of my accounts outstanding balance is 2 months in arrears and ultimately, inaccurate. My math is shown below. 
{$18000.00} ( My outstanding balance reported by Happy Money Inc. as of XX/XX/2023. ) - {$1200.00} ( XXXX XXXX monthly minimum payment. ) - {$1200.00} ( XXXX XXXX monthly minimum payment. ) {$16000.00} ( The difference between {$16000.00} and {$16000.00} is the result of me making additional principal payment ) I recognize that it is common for there to be a lag between when payments are posted to an account and when a tradeline is updated. However, Happy Money Inc.s credit bureau reporting of my accounts outstanding balance, as of XX/XX/2023, 2 months in arrears and ultimately, inaccurate. 
I filed a dispute through XXXX  online portal on XX/XX/2023, trusting that Happy Money , Inc. would accurately report my accounts outstanding balance to XXXX, and the other credit bureau reporting agencies. 

XXXX provided me with results of my dispute on XX/XX/2023. XXXX stated, The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Inaccurate credit reporting can materially and adversely impact consumers ability to access credit markets, obtain the best interest rates, increase insurance premiums, and impair ones ability to maintain or obtain employment. 

Happy Money , Inc. has a legal responsibility as a credit data furnisher, to accurately report consumer information to the credit reporting agencies. I assert that Happy Money , Inc. is violating multiple federal and the State of Illinois consumer protection laws including, but not limited to, the Federal Trade Commission Act ( 15 U.S.C. 41-58 ), the Dodd-Frank Act ( Section 1031a ), the Uniform Commercial Code Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S. Code 5531 ) , the Fair Credit Reporting Act ( 1681 ), the Consumer Financial Protection Bureau rules and regulations , and the Illinois Consumer Fairness Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone is using my Name without my permission I need this to stop

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 2023-06-28
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: Account status incorrect

Complaint:
My closed accounts are being included in the credit score calculization. It says that the utilization of. Reset is based on how much credit is being used out of the available open accounts. They are including closed accounts in my score and it is not calculating my score properly.

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 2021-01-06
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple mailings ( XXXX, XXXX, XXXX ) from the XXXX XXXX XXXX out of XXXX, Ill regarding a " debt I owed to Cashnet USA. '' They offered that I could pay my {$1600.00} debt with an immediate payment of {$420.00}. When I didn't respond to the letters, they started to call. Almost daily. I answered the phone at one point and the very abrasive man told me of this debt they were trying to recover. When I told him the debt was not mine ( I have NEVER had a loan through Cashnet USA ), he replied, " So you are disputing it then? '' I told him yes. 

The harassment for a loan that never existed in my name is infuriating. It caused me to pull my credit, just to make sure nothing was out there -- and it's perfectly clear. No outstanding loans, aside from my current mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just recently recieved the results for a collection item ( XXXX XXXX XXXX ) on my credit report that does not beling to me. I've reached out to this company several times by mail and I've disputed this item regularly with Equifax credit bureau. Equifax still has not removed this item from my credit report. I mailed in a packet of documents proving to Equifax that the collections account with XXXX XXXX does not belong to me. Equifax sent me am email stating that they received my supporting documents on XX/XX/XXXX. Then Equifax somehow completed the investigation in 10 days after on XX/XX/XXXX. This was not sufficient time for them to review the documents because if they did they would have removed the account. I sent supporting documents showing that XXXX & XXXX have removed the XXXX XXXX accounts several months ago. Also XXXX has yet to produce a contract or any proof that the account is in fact mine. 
Today on XX/XX/XXXX I called Equifax at XXXX and a customer service agent with Eauifax claimed that he couldn't verify my account when I have a confirmation number from Equifax and none of my personal information has not changed. I spoke with the customer service agent 's supervisor named XXXX and he was able to verify my account. Although, the supervisor was helpful and clear about the dispute process. He was guarded and withholding actual details about my account and supoorting documentation proof that i mailed into Equifax. Please reach out to them and make sure they follow suite with XXXX & XXXX to Delete XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Dear all. I would like to denounce you an issue that happened when i exchanged cryptocurrencies at COINBASE inc. and I loss 55 % of my capital due to its responsibility, without giving me an option to cancel that transaction. 

I have opened three cases about that issue to Coinbase help and support department, but unfortunately they have just sent me some typical general answers, without any focus to my issue. After that they closed the first two cases without explanation. The third one is still open but they have stopped communicate with me. The cases number are : 1.CASE # XXXX at XX/XX/2020 2.CASE, # XXXX at XX/XX/2020 XXXX. CASE # XXXX at XX/XX/2020 In details at XX/XX/2020 at XXXX ( XXXX ), I traded the amount of XXXX euros of DAI ( stable coin ) ( XXXX coins ) with a price of XXXX per DAI coin at the specific time ( XXXX ) in XXXX with the reference code XXXX transaction ( XXXX ). After the trading in the system XXXX mobile app and coinbase url ) appeared that I had only XXXX euros in XXXX,. That is meaning that dissapperead the 55,09 % of my initial amount of exchange or XXXX euros. As you can see at XXXX they calculated in their own decision with a value per coin DAI about XXXX, when at specific time and general time ( DAI it is a stable cryptocurrency ) the price was XXXX euros per DAI coin ( XXXX XXXX. I would like to inform you also that at the time of trading the XXXX was in an increasing phase and took about 500 % increased. 
All the images that i am sending you there are screenshots from the official coinbase app or site. Also for your checks i am sending you the XXXX that is the value of XXXX at the specific time. Of course you can check the same values at any site for the specific time. 
I would like to thank you in advance for the time that you are going to spend for my case, as also to resolve that issue that is illegal and leads to the lost of cofidence at a big company in US, the regulator of it and of course of the new economy market. 
Kind Regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

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 2019-04-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is to verify that I have filed many complaints against Wells Fargo et al. One of the affiliates of Well Fargo is XXXX XXXX, XXXX XXXX of the Law Offices of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX, California XXXX. Not only is Attorney XXXX XXXX representing Wells Fargo in the background, but he is the attorney for XXXX XXXX XXXX XXXX, XXXX the company that illegally purchased my family 's home, and is attempting to evict my family without any remorse whatsoever. Attorney XXXX XXXX is steadily sending threatening and harassing letters to my family 's home, and he is sending employees of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by my home on a continuous basis. Attorney XXXX XXXX refuses to work cohesively with my family, and insists on throwing us out into the street. I am going to make contact with the U.S. Congressmembers so that they can do extensive research on XXXX XXXX, and XXXX XXXX XXXX XXXX, which is also a direct affiliate of Wells Fargo, AKA. Wells Fargo, I hope that your new CEO XXXX XXXX XXXX has more ethics and morals that XXXX XXXX XXXX, former CEO of Wells Fargo. Again, have a conscience Wells Fargo, and rescind the sale of my family 's 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 explanation
Consumer complaint received 2023-11-22
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Santander consumer USA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ) I am in the process of getting an apartment for my XXXX yr old daughter and I. However I have noticed that I have hard inquiries that I did not take out and dont have any acknowledgment off on my credit score. Its impacting me because its been hard too find an apartment due to this. I need help of removing off my credit file. Santander consumer USA was taken out XX/XX/22

Company response to consumer: Closed with explanation