BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: Coinbase, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Yes I have been inactive in my account and unable to withdraw my account with errors on my credit report XXXX XXXX XXXX and and tax collection cases updated and profiled our support team reported the IRS and funded my account to my beneficiary and allocated payments to the bank and put my account on hold I asked them to review it at the IRS and was a scam said we ID theft the bank and used it to compromise my account and left me to uphold the account in forgery in my claims I asked to regain access to my account and she said needed a officer to verify the theft and bring in the forms with my reason for obtaining the documents. I can not activate my bank account and looks like I made a payment to the bank in transaction on hold that were confiscated in a tax lien which has been sent to the IRS XXXX form tax collection without due process of collection form also asked to come in the XXXX to tax office and collect the documents on file with my XXXX x tax papers form for XXXX and XXXX. I have not been paid and have been waiting for the bank to complete operations on my check and finance my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: MA
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 Chase has violated my rights under 15 USC 1681 section 602 states I have the right to privacy under.Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: NJ
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2022 Balance {$10000.00} I sent Fair Collections & Outsourcing a certified letter requesting they validate the debt they placed me in collections for. They've acknowledged reciept and have not provided me debt validation. 

When i call, I am placed on hold until the call is eventually ended on their side. I am given email address to request information from that do not exist. 

I was given the following emails over multiple calls and none of them work or exist. It has been 4 months since first being advised and they have done nothing to try and clear or provide information regarding this debt. 

Emails I was given for my account manager are as follows : 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 2022-12-07
Company: Experian Information Solutions Inc.
State: NJ
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-05-04
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Venmo has stolen XXXX from me since XX/XX/2020 my account has been frozen i have waited the 180 day waiting period no luck all they say is my account Is permanently Deactivated but they dont talk about how im going to receive my funds please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Atlanticus Services Corporation
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I keep getting spam emails from this sender. XXXX It is for Aspire Credit Cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/21 I sent a letter by certified receipt and return receipt regarding multiple accounts with equifax. They were appearing inaccurately I disputed XXXX accounts. However, I have XXXX problem they neglected to remove XXXX of accounts listed on the letter I sent. Im simply asking for removal of account please and thanks its acct # XXXX {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Io, Inc.
State: MD
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 USC 1681 Section 602 States I Have the right to privacy. 

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

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I mailed an insurance settlement check to XXXX for a settlement involving damages that were completed. XXXX requested a copy of the settlement agreement. I complied. The settlement agreement was mailed on XX/XX/2018. The XXXX representative advised me that processing would take up to 10 day. I waited. In early XX/XX/2018, I called XXXX to check on the status of the settlement check. At this time, they requested an inspection for damages unrelated to the claim in question. I complied. The inspection was completed XX/XX/2018. I was told that processing the settlement check after the inspection was complete would take 10 days. I waited. I called today, XX/XX/XXXX, and was advised that I had to provide receipts for the repairs that were inspected and granted a 95 % completion status. I advised that the documents were submitted with the original insurance claim check as this is an ongoing claim that went to litigation with the insurance company. I advised XXXX that the repairs were completed in XX/XX/2018. The requested documents, receipts, etc. were submitted when the original claim check was processed without incident. I advised XXXX that the settlement check was for the same damages that have been inspected twice. 

I asked to speak to a supervisor and was placed on hold for 30 minutes. At this time, I am requesting assistance to ensure that XXXX is working in Good Faith and to ensure that no rules, policies, statutes or laws are being broken. Your assistance is appreciated.

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 2022-12-30
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a Complaint on this issue previously ( # XXXX ), that was closed after Ally Bank provided an answer to my Complaint. Unhappily, the response was completely inadequate as Ally Bank again falsely claimed that I authorized the transfer at issue from my Mobile Phone. That did not occur, and the proof that I submitted is something on which even Ally Bank agrees. More specifically, the moment I discovered the transfer of {$9800.00} from my Savings Account, I asked the Agent with whom I spoke ( on XX/XX/22 ) to please stop the transfer, that I had nothing to do with it, and no knowledge of from where it came. The Agent refused and although the money was initially refunded, Ally again took the money from my Account and their response to multiple letters and phone calls is now that the " disputed ACH transfer was made from your device, '' which is just not true, however, that is apparently all that must be claimed in order to keep {$10000.00} of mine that I need desperately.

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 2021-11-23
Company: ROYAL UNITED MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Royal United to refinance my Mortgage, communicating with representative XXXX XXXX on XXXX. He connected me with the XXXX XXXX XXXX XXXX to have my house appraised on XXXX. I mentioned to XXXX XXXX that the fee was high XXXX for my XXXX square foot home, but he stated that the fee would be rolled back into the loan. After the appraisal came back, it came back less than what they had estimated. I received a letter from XXXX saying that the dispute of the appraisal was denied, so they stopped any further communication with me, despite my emails and attempts to recover the original appraisal fee of {$530.00}, they also have not replied to my complaint on the XXXX Lastly as a XXXX citizen and Veteran with a fixed income and a XXXXt that requires medical attention monthly do to XXXX XXXX there actions have left me in financial hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Please be advised this is my XXXX WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your the credit bureaus first investigation, They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Item is XXXX XXXX XXXX # XXXX Eastern Account System # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-27
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am attempting to apply for another parent plus loan for my son in college. My fear is now because of this situation he will fall behind a semester or XXXX if we don't find any other type of assistance quickly. I realized my credit was being denied because of a delinquent account showing on my credit. I seen it showing portfolio Recovery. I reached out to them to get information. After second time calling I was told it was from XXXX. I tried disputing but was denied. I called XXXX to gather information and they don't have any information that is correct to any type of transactions I have ever done. XXXX couldn't further give me complete details. I told them the transactions they are stating I did is incorrect. I tried disputing but never recieve any more information about any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Source Receivables Management LLC
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:
In accordance with the Fair Credit Reporting Act, The following account has violated my rights : Source Receivables MNG Acct # XXXX XXXXXXXX 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. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Request for Correction of Credit Report Dear TRANS UNION LLC , I am writing to bring to your attention a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have identified several instances where the creditor [ Creditor Name ] has failed to comply with specific sections of the FCRA, namely 15 USC-1681 section 602, 15 USC-1681 section 604-A section 2, and 15 USC-1666-B.

As per 15 USC-1681 section 602, I believe [ Creditor Name ] has inaccurately reported information about my credit history to your agency. The information they provided is misleading and has negatively impacted my creditworthiness. I request that you investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies in my credit report. 

Moreover, 15 USC-1681 section 604-A section 2 requires creditors to provide accurate and complete information to credit reporting agencies. I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has failed to fulfill this obligation, thereby violating my rights as a consumer. I request that you review the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ensure that it meets the necessary standards of accuracy and completeness. 

Additionally, 15 USC-1666-B grants me the right to dispute any inaccurate or incomplete information in my credit report. I hereby exercise this right and request that you initiate an investigation into the disputed items associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I kindly ask that you provide me with a written response regarding the results of the investigation within the legally mandated timeframe. 

I have enclosed copies of relevant documentation, including proof of my attempts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that you will handle this dispute promptly and diligently, as required by the FCRA. 

Please note that, in accordance with the FCRA, I also request that you place a temporary freeze on the disputed information during the investigation process. This will help ensure that my credit report is not further impacted by inaccurate or incomplete data. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or by phone at XXXX Sincerely, 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 non-monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: ERC
State: SC
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment or credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I did a modification in 2020, and we were able to get our mortgage straight and we had to start making payments in XXXX 2020. everyone had been on time since in XXXX we received a letter saying that we were behind when we had made the payments. And as of today since XXXX we have trying to get our account straight I have been talking to everyone that I could and still right today nothing has changed. We are so tired of trying since XXXX to get everything updated, I have email also talking on the phone we need help because this is effecting our credit report showing that we are two months behind and that's isn't true.

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