BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: AR
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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous reporting of a late open account on my credit file, as maintained by Equifax and XXXX Credit Bureaus. Despite multiple attempts to correct this inaccurate information, it continues to adversely affect my credit profile and financial standing. 

The late open account in question is associated with Credit Bureaus, and it has been inaccurately reported as late, despite my diligent efforts to ensure timely payments and compliance with all contractual obligations. This erroneous reporting has resulted in a significant negative impact on my credit score and financial opportunities. 

I have taken the following steps in an attempt to rectify this situation : I have contacted Credit Bureaus, on multiple occasions to dispute the late open account entry and request its removal from my credit report. However, my requests have not yielded the desired results. 

I have provided documentation and evidence to demonstrate that this late open account reporting is inaccurate, including [ mention any supporting documents you have, such as payment records, correspondence with the creditor, or any other relevant proof. 

I have initiated disputes through your bureau, attaching all the necessary documentation to support the legitimacy of my claims. Regrettably, these disputes have not led to the correction of the inaccurate reporting. 

The continuous presence of this inaccurate information on my credit file has not only hampered my ability to access credit but has also caused considerable emotional distress and frustration. It is essential that this matter is resolved promptly to ensure the accuracy and integrity of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open account reported by Credit Bureaus and verify the accuracy of its late status. 

Coordinate with Equifax and XXXX Credit Bureaus to rectify this error by promptly updating my credit file to reflect the accurate and timely opening date of the account. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement measures to prevent the recurrence of such errors in the future and enhance the accuracy of credit reporting. 

I understand that accurate credit reporting is essential for individuals ' financial well-being, and I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. I am asking for your assistance to correct this late open account : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Acct : OFFICE OF THE ATTY GNE I submitted a dispute for an account that is was Closed in XXXX which was Removed from my credit report also and then put back on my credit report without 5 days notice and has not been verified at all I have went so much as sent a validation to the company on my credit report and never received any documents showing my signature for a contract or anything what so ever. On XX/XX/XXXX I filed an dispute on this same account and on the same day they came back saying that the account was verified THE SAME DAY

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 2019-08-28
Company: Lending Club Corp
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XX/XX/28 I looked at a personal line from XXXX  XXXX and got an approval from them. When got the final payment after I accepted it was much higher than was offered. I called the company to withdraw and the department that closes accounts was extremely unprofessional and yelled and screamed. 
After realizing that I had set up my personal checking I had to close my accounts. Stop pay on several payments, freeze my credit with the 3 major credit bureaus and have a fraud lock on all accounts and personal as number. This is absolutely predatory lending and could harm most consumers. 

I have called 15 times to speak to a supervisor and the laugh or hang up. They wont send a withdrawal letter via email Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The issue is regarding Venmo. Venmo suspended my account for the reason of " suspicious activity '' on XX/XX/2023. Venmo will not help you on the phone in regards to a suspended or frozen account. They only use email for these matters. My behavior on Venmo has not changed and is not against any policy from what I've read. I have always purchased Crypto in my Venmo account for well over a year. Venmo does not respond or help in anyway nor have they given any specific reasons as to what the suspicious activity was according to them. All the money in my Venmo account is mine and it is over {$5100.00}. Venmo did respond to my first email on XX/XX/XXXX. The email stated youqr account will require further review and we will get back in touch with you. Venmo has since NOT responded to several follow up emails. Venmo is holding and not letting me get or have access to my {$5100.00} and is causing severe financial and emotional hardship. These type of practices in the financial industry should be outlawed and the consumer should not be put in these situations when it comes to a money transfer company. Holding funds without cause, consumer can't do anything for 180 days because of a bogus " user agreement ''. They are the type of predatory practices where the companies doing this sort of thing should be brought to justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a XXXX XXXX. I then received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX XXXX Balance : {$390.00}

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 2018-11-18
Company: Middle Georgia Management Services
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:
XXXX {$2000.00} You can not collect a debt twice ... 

... grave errorfalse claim and reportingI want this account removed, and reported to credit bureaus immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXXXXXX 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 2023-04-19
Company: EQUIFAX, INC.
State: GA
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. 

Account Number Account Name # XXXXXXXX XXXX XXXX # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a loan with cash call mortgage. cash call did not provide my note in the closing documents. 
Therefore, when I went to refinance my mortgage I could not complete the refinance without the note. I called cash call on several occasions and they promised me they would send the note. Finally, I realized this was done on purpose to keep me from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: TX
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 are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
XX/XX/2021 I contacted XXXX and I was out of work. I logged in to make the my Carnote payment on XX/XX/2021 but it was drafted XX/XX/2021 Bridgecrest reported a 30 day Flag on my credit report. Ive called Bridgecrest over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..

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 2023-09-27
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So i went to buy a car i did money orders after i got there he didn't accept it and demanded cash or chime because i will have it right away, i first send him a XXXX dollar to test and went through... right after he took a second and say send it wich i did and started acting XXXX like he didn't receive it and i called the bank and told me that the account was recently created and wasn't the one i send the money .... i try many forma to make the bank pay me .... i did call them right away in the moment and they frozen the transaction and i believe that close the fake account but the did not release me the money is been 2 years now or more .... i try to report to them everything but was no success

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Navy Federal for withholding my funds since XX/XX/XXXX, despite my compliance with all bank protocols and rules. I opened my Navy Federal account in XX/XX/XXXX and have always been in good standing with my account. I have multiple businesses, including clothing brand established in XXXX in XXXX, Florida. 

On XX/XX/XXXX, i was at a public event as a vendor doing a pop up shop, a customer made a transaction for {$9200.00} for a large order of hats from my business purchasing bulk order at wholesale price. Customer received the goods from me i took information from him and deal was done. Following the transaction, I was later contacted by the Navy Federal fraud security department days after the transaction, requesting verification of the name of the individual who made the payment. 

I informed the representative that I was not available to verify the name at that moment, as I was out of my office. I requested a call-back number, but the representative was rude and disrespectful towards me. Before I knew it, my account was restricted ( Business & Personal ), and it has remained that way since that day. Despite submitting two security appeal forms with that name she requested, the restriction on my account has not been lifted. Prior to the submitting the appeal form I called back and gave the name info to the Navy Federal fraud department. 

Due to the restriction on my account, I have been unable to access my funds, and I have been unable to close the account. I have received mail from Navy Federal every month since 2019 about the interest on the money in my account. However, I am unable to withdraw funds or make new transactions, which has negatively impacted my business operations. The restriction has also caused me to go into negative balance with my checking account, resulting in overdraft fees. 

When I've visited the Navy Federal branch in XXXX Fl several times about this matter, I was treated poorly and given the run-around. The staff acted as if I had done something wrong, despite my compliance with all bank protocols and rules. No one has explained to me why the account can not be closed or why the restriction can not be lifted. 

I believe that Navy Federal 's actions are unjustified and unfair. I am filing a complaint with the CFPB to seek resolution to this issue and request that the restriction on my account be lifted immediately. I would also like my funds from this account and for the account to be closed. 

Thank you for your attention to this matter. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I filed a dispute with Chase bank concerning my deposit of {$1600.00}. I received an error message saying were having trouble and printed out a receipt. Upon receiving the printout, I called the bank to make them aware of the error and which I provided the information off the printout and was told it will be investigated. Fast forward to XX/XX/2023 I checked my documents and letters to check the status and saw the claim was denied so I called the bank. I spoke with the first representative who told me the only way I could reopen the claim if I have the paper and I did not keep the paper because I thought once I provided the information, it would be resolved. She basically told me, theres nothing they could do without that receipt. I asked to speak with a supervisor name XXXX and he told me the same thing so I filed a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: NC
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 submitted a complaint last XX/XX/XXXX. Involved Companies responded. Some items are deleted and updated. Some are still reporting. I submitted a complaint dated XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will not close it immediately, and will now help me regarding the remaining fraudulent items on my credit report. There are still MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 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