BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: Bread Financial Holdings, Inc.
State: MA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
These are the 7 inquiries I have disputed with TransUnion. TU is telling me they can not remove them unless the Financial Institutions themselves removes them, which in turn they don't recognize them. I humbly request these inquiries by TransUnion be immediately removed from my report. If you view the other credit reports, you will se what I am talking about. Right now I am paying all 3 companies to keep my reports locked. I actually feel like I am being extorted. Please let me not loose track of my initial complaint. I am in the market and I have found a home that is located in a 9-10 Score School District and these inquiries are impacting my credit from Exceptional to Very Good. And that in itself will be very costly on a 15-20 yr mortgage. I hope whoever  reads this will be able to help me, so thank you in advance. 

TRANSUNION File # XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX ( feel free to call me for any question ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery Associates have repeatedly called and harassed me regarding a debt Ive disputed several times and submitted information that I had identity theft and theyre still sending letters to me and harassing me while Im working calling at all hours of the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: HI
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 sent Certified mail letters. Experian is being lazy and not doing their job. Under the FCRA, the burden of proof lies on Experian, XXXX, XXXX you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call Experian, XXXX, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians, XXXX, XXXX CEOs as last resort before I Sue them all.

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 2021-02-26
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
on XXXX XXXX, 2020 I lost my job affected for covid 19 pandemic, I been paying this loan for 3 years alreday, never late and never miss a payment.I tried to make arragements with them but is imposible, I understand is not they obligation but we are leaving with a pandemic and is somenthing no body expect it. I have been working for 18 years and I lost my job. I send them emails, and make several phone calls but they denied support me on this situation. they reported to credit bureau damage my excelent credit and my account is charge off damage my cretit worse. I appreciated any support on this. LendingClub dont apreciated there clients on this pandemic, they send letter and advice to call for help but when you call they say you need to pay what is behing plus late fees and amount is going up every month.I email them but they never answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 The Credit bureaus stated 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, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my writen instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2020-03-27
Company: EQUIFAX, 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:
MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received correspondence from Sessoms & Rogers P.A. Claiming that I owe a debt to an XXXX XXXX XXXX, and threatened to file suit. However, I have never gotten into any kind of business/financial transaction with this company, not have I signed or agreed to pay any sort of debt to them, and the majority of what was in the packet that I received is 15-20 pages of either blank pieces of paper or papers that just say redacted line after line with no other information. I have tried to contact Sessoms & Rogers through both phone and email, their phone number I only get directed to voicemail, and in their packet was a email address that was slightly misspelled from the address on their website, which makes me feel like its a tactic to prevent you from starting a dispute in order to easily get a default judgement on someone since the email will never deliver. 

I am requesting that they prove that I am somehow responsible for this debt that they claim, that it is within the Statute of limitations, and that the amount is in fact accurate. I do not agree with their claim in any way shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I woke up and decided to withdraw all my money from coinbase and I've been locked out of my Coinbase account since XXXX XXXX and there appears no way for me to access my account So what I did is open up a case at coinbase support and there was no response from them.I called them and talked to XXXX and she said ve just checked your account and can confirm that your request has been properly escalated.It all happned because I was verifying my id because all 3 heavy payment sending delay was 72hr and all of a sudden I was logout of account with suspended msg.Iam afraid by looking at your post I would loose my money.I recomend better wait for 72hr and pull all your money instead of choosing id verification.I agree if you dont have your private keys dont expect you are 100 % secure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have fake information in the " social security numbers '' area in which I only have and have only used the social security that was provided after my birth in XX/XX/. I have reported several things over the past 2 years and yet nothing have been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I submitted a dispute to Wells Fargo about the interest rate imposed on a balance transfer once the promotional rate expired. I stated that the nearly 30 % rate was in excess of that stated at the time of the balance transfer. I receive the letter attached hereto stating that the rate imposed is the current apr and has not changed. Wells Fargo provided no documentation showing the apr at the time of the balance transfer so I find their response inadequate. However their letter states the dispute is closed.

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 2020-03-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

XXXX XXXX XXXX XXXX Bal XXXX Lateness - XXXX During whole period I had only one late payment ( very old ) which I paid off and I now have years of good standing credit with your company, with the exception of those few late payments. Those few late payments are extremely damaging to me in a lot of ways, mainly they are damaging my chances of receiving a promotion at work. 

I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just those few exceptions and I ask for you to please eliminate those late payments with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 

I am pleading with you to honor my request, which would mean so much. I desperately need to get this promotion, which would obviously come with a pay raise, in order to continue to support my family. Please take into consideration what a good customer I have been. 

Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter.

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 2022-04-12
Company: Experian Information Solutions 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:
In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have 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 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: MA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Friday the XXXX of XXXX, I checked my credit score on XXXX and saw that I had a collection against my name originating from XXXX that they had passed to the collecton agency ERC. I had been a XXXX XXXX up to XX/XX/2020. I was alarmed by this and called ERC immediately. At this point I had very little knowledge of collections or what they entailed. 

When I spoke to the ERC agent I stated that I had serious qualms with this bill. In particular, XXXX gave me a plan that was linked to strangers ' accounts without my knowledge. Second, XXXX created an erroneous security question ; they would ask me the name of my first pet but neither I nor my family has ever owned a pet. This incorrect security question prevented me from ever accessing my account, making paying the bill very difficult. Note due to covid, I was abroad with my family and therefore was unable to visit a store in order to get a new PIN or security question. Given the service, I canceled my account. I was given email notices in XX/XX/2020 that I had an outstanding bill and then received no more communication from XXXX from that point onwards. After I received these emails, I did try to pay in XX/XX/2020 but because of the security question, I could not access my account in order to pay it. Since I had no further communications from XXXX I presumed the account was closed and any further bills were voided. 

The ERC, who did not say I could dispute the debt, misleadingly said those were issues to take up with XXXX and were not relevant to ERC. But, of course, it is relevant to ERC because if I want fundamentally to dispute the fairness of the debt, I would have to do so with ERC. Thinking that I could go dispute the claim with XXXX, I paid off the debt as soon as possible, but did not think that paying it off would acknowledge it as fairly describing the situation as one in which I had failed to pay a XXXX bill. I now understand the debt prevents me from having it removed from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: NRA Group, LLC
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 XX/XX/2022, I requested a wet signature signed contract that I owe XXXX XXXX XXXX, NTL RECOVERY AGENCY., XXXX XXXX XXXX XXXX They have also placed a late payment on the account and the accounts are closed. If the company XXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CASHCALL, INC.
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:
From prior case : XXXX : I took a installment loan out from Cash Call in XX/XX/XXXX for {$9900.00}. I made payments totaling {$12000.00}, I fell behind due to sickness and XXXX and tried to work out a plan to which they declined. I could not make the settlement about they requested which was {$20000.00}. The loan was then charged off in XX/XX/XXXX and they requested {$30.00} to close it out. I could not get any to help me with this so I just left it alone and let it sit on my credit report and decided to wait till it falls off. Fast forward to XX/XX/XXXX and I again tried to reach out to the company but they only re aged my account to show a current charge off as of this month leaving me with a credit score that dropped over 70 points and now I have to start all over again to have this account fall off my report. This is clearly in violation of the Fair Credit Reporting Act.

623 ( 5 ) ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after the furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action They have also added wrong amounts, balances and dates to my credit reports that are again in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Affirm Holdings, Inc
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Affirm on XX/XX/XXXX regarding to the fraudlent account that they have listed in my name within there company, i completed a form with Affirm whom refuses to remove account from credit report, i have not received any call back from the company regards to the fraudlent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: MI
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 have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
As per my previous complaint ; ID number- XXXX on XX/XX/2023 on Experian XXXX XXXX XXXX XXXX reporting account # XXXX ( U S DEPT OF EDXXXX ), I have not received any correspondence back from this agency in reference to my dispute. Experian is now in VIOLATION of 15USC1681 ( i ) - [ Procedure in case of a disputed accuracy. } Congress states ; " that before the expiration of the 5th business day period beginning on the date on which a Consumer Reporting Agency receives notice of a dispute from any Consumer or Reseller the agency shall provide notification of the dispute to any Person who provided any item of dispute At the address and in the manner established with the person ''. 

Their continuous Non- compliance with federal law and procedure has weakened my faith in the banking system and is harming my family.

Company response to consumer: Closed with explanation