BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
**Background** 1. I was skeptical of an Online only bank to perform interactions 100 % via web.. But did 2. After loosing my wallet, several unauthorized charges appeared on my acct.

3. AXOSbank cancelled my card without ANY consideration of needing access to funds.

4. AXOSbank 's policy is it takes 7-10 days to get a replacment card.

5. With not brick and mortars, seemingly not a single competent bank is employed with AXOS, as who can survive without $ $ for 2 weeks waiting on this snail mail process.

**New Issue** 6. I reported unauthorized ( recurring ) charges to my account and referenced it was from the previous fraud... As I remember the vendor being the same ( XXXX? ) 7. AXOS again deactivated my card without a single bit of notice to the consumer... 
8. I am again without funds while that mess gets sorted out.

**Burden from Axos** 9. Axos can not /willnot provide anything other than pompus virtue singling assistance via there chatt... I DO NOT NEED CONSOLATIONS, I need results/actions.

10. In an attempt to transfer $ $ to a prepaid visa card, I make a purchase and attempt to make a bank transfer to this acct... Axos rejects.

11. I am working overtime, running around the house 7 times in effort to supplement Axos ineptitude of banking competency & get access to funds.

12. Without ability to pay my motel bill and now homeless without access to any ov my $ XXXX 
13. While I am very disgusted with AXOS 's business model and needing to find a replacement bank ; I still need access to $ $ via debit card transactions and was trying to find another bank to open an acct.

12. Axos bank sends me a letter telling me they have cancelled my acct ... and they will be mailing a cashiers check to the address I am no longer at and has been the source of 2 separate frauds.

I need my $ $ and need a competent exec to speak with about getting those funds wired to another bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please correct the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
This letter serves as a formal protest against the veracity of the data in my most recent credit report. Upon closer inspection, it appears that the report contains a number of errors that have had a negative impact on my credit history. 

The credit report has revealed a significant departure from what was anticipated, which is an extremely unsettling finding. 

Being aware that the Fair Credit Reporting Act requires credit reporting companies to provide the most accurate information possible is your responsibility as a consumer. Due to the potential harm they may cause, these errors may make it unjustifiably difficult to obtain credit on fair terms. 

Given these errors, I humbly ask that a new copy of my credit report be sent to me after the necessary corrections have been made. a truthful assessment of my creditworthiness. 

I'm sure you'll approach this situation with the utmost professionalism and diligence. I place the utmost importance on the accuracy of the data in my credit report because it is essential to my present and future financial security. 

I really appreciate you paying attention to this. We greatly appreciate your quick action in correcting these errors. At your earliest convenience, kindly provide any updates on the state of this disagreement.

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 2023-05-22
Company: Navient Solutions, LLC.
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:
I mailed letters to XXXX, XXXX, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.

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 2019-11-09
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
" New Issue '' GLA stated they verified this debt using E-Oscar. The law requires all relevant information meaning documentation be sent directly to the credit bureaus. How did you verify this debt using E-Oscar to the credit bureaus, did you not use a 2 or 3 numeric code to verify and if so I will be seeking a violation under section 623 ( a ) ( 8 )? I never received any notice of my right to dispute nor any correspondence to my mailing address of a debt validation letter on this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company Midland Funding LLC company XX/XX/XXXX put a hold on my account for the amount of {$1400.00} From a credit card from XXXX XXXX back XXXX or XXXX I cant remember I never opened an account with XXXX XXXX I was told to file this report with you and to file a police report ASAP I will be doing that in the morning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of 2022 I was shopping online for a small personal loan of XXXX, I was approved by a loan company to receive the XXXX I do not remember the loan company name as I applied to a lot of companies and the loan Dicuments seem to have been deleted from my email account I dont believe by me. On XX/XX/2022 I went to take out my rent money and f I und i couldn't get access to my account, I then called Citibank customer service and found out I was the victim of a fraud, 2 fake checks were deposited into my Checking account, both were detected by fraud prevention and no money was taken from the account, the representative informed me that my account was going to be closed for fraudulent activities, I said then I need my rent money and pay check taken out of my account as my rent was due I was informed that I wasn't allowed to have my m I ney until my account was closed in 3 to 5 days and a check mailed to me. I told them I couldn't wait for my money to be sent that my rent was due and my Landlord was strict, they said nothing could be done. After the 4th day I c as lled Citibank Customer Service again and told them I really need my rent money as my landlord was very displeased. Again they said nothing could be done but if I wanted to go into a branch of the bank they we old give me my money, I looked up the closest branch and found it was 5hrs away from me and I do n't drive, so the rep informed me that a check would be mailed in 5 -10 days wich wasn't what I was initially told, I said to the rep that if this kept up I was I uld be facing eviction all they said was I'm a orry can't help after t a t I continued to call and ask for m t money 3 to 4 times a week only to get the same response exc we p r the w a it time for the check went to 30 to 60 days, I told yet another ro that I surely would be evicted this day Citibank refuses to give me my funds that were labeled amicic partners payroll and have now tried to say that I deposited the checks which is a lie and when asked admitted they have no proof of that, I'm still facing eviction today and there has been no resolution

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 2019-07-02
Company: Global Lending Services LLC
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:
On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX  ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX/XXXX  XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, GLOBAL LENDING SERVICES, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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. The List of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crime 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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent a Chase Freedom credit card on XXXX XXXX that I did not apply for. About a week later, on XX/XX/XXXX, I received a call from Chase bank about a recent charge to my account. They stated that the charge was made on XX/XX/XXXX at the amount of {$1200.00}. I immediately alerted the chase bank representative that I did not apply for this card and whoever opened this account was not me. She closed the account and alerted it as fraud. I asked the representative how this person was able to use the card if the card itself was sent to me. She let me know that XXXX XXXX was used to make the purchase, so they did not need the physical card. I was urged to run a credit report to look over all of my information and make sure it is correct. I ran a report on XX/XX/XXXX. Im doing so, I found a phone number associated with my credit that was in fact NOT my phone number and a random one I have never seen. I disputed the phone number on my credit report through the bureau ( XXXX ). I would also like to note that I in fact have a XXXX account, so I am supposed to be alerted every time my SSN is used. When I called them on XX/XX/XXXX to inform them of this fraudulent card issued under my name and information, they did not see any record of it. When asking how this could happen, the XXXX representative told me that I could possibly have been victim of Fictitious Identity Theft where my last 4 SSN were used to create the account but the other 5 numbers couldve been someone elses or random numbers. I am unsure if that is exactly the case but, I was instructed by the representative to this website to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CITY NATIONAL BANK
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wired money to CITY NATIONAL BANK. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX. My bank attempted to contact to re capture funds on two occasions and the bank simply did not respond. There customer XXXX  XXXX  or XXXX images is operating a fraudulent business and advised me to send {$3200.00} and no product would ever send the product paid for. I have reported XXXX XXXX to the XXXX XXXX XXXX and also the FTC. Their bank is who is at fault here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) XXXX. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX/XXXX XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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:
Upon reviewing my updates, the incorrect information were found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XXXX  XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today XX/XX/XXXX I received a letter from Resurgent regarding a debt I have a payment plan on with XXXX XXXX XXXX XXXX. I have been attempting to call the latter to make a payment on the plan set up by their office since XX/XX/XXXX. They have not returned my call but have accepted my money on XX/XX/XXXX. 

I called Resurgent on XX/XX/XXXX at XXXX est and was advised her that the payment plan with XXXX XXXX XXXX valid but they can not see the payment plan and I should keep making the payments as arranged previously. In the notification from Resurgent it states that I have until XX/XX/XXXX to dispute the debt. There is nothing to Disput except who will be honoring my payment plan that I have set up with each of the interconnected companies. 

This is the third company contacted me regarding this debt since XX/XX/XXXX while I have been making payments. Each time I make the payment plan its transferred to XXXX of their many companies, and as it is confusing. It is also an attempt to get the consumer to renege on their plan to make a payment. 

As stated before, this is the third portion of LVNV funding LLC that has contacted me regarding a debt that I have been paying, and it is confusing and a dishonest attempt to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and correct or remove these from my report : 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 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 non-monetary relief