BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: ATG Credit, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I worked for this company for 3 months and witnessed many infractions of the FDCPA. Two of the most common : - Debtors are supposed to be notified in writing of the debt being collected on. The owner of ATG Credit decided this was too expensive, so only sent letters on certain dollar value accounts, or to clients we were able to speak to verbally. However, the debtors who were not sent letters were still pursued via skip trace and countless calls. 

- Questionable debt. There were a couple of clients we were forced to collect " debt '' on, who did not seem to be able to prove the debts were owed. These debts counted in the 1000s, contained low balances and were very old. No written letters were sent to debtors for these clients unless verbal communication was made first, and we were not allowed to open disputes on the debts for anyone who asked that be done. Instead, we were forced to close the case ( upon threat of write ups ), meaning this debt could still be collected on and resold, without the dispute ever being researched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX, woke up, ATM card shut off, can not access account. Called support desk, stated it was shut off and they will mail me a new card, did not know when it would be sent. I said I can not access my account, they hung up. I called back, mind you, 2 hour wait times. Again, told account shut down, I asked why it was turned off before new was activated, said she did not know, I asked for a supervisor on the floor, she said, they do not have those and hung up again. Truist bank. I had to go to branch and close my account in person and to get my money.

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 2020-11-08
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: Was not notified of investigation status or results

Complaint:
On the date of XX/XX/2020 the Experian received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Experian asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XX/XX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Experian was not able to provide.

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 2022-01-09
Company: EQUIFAX, INC.
State: MO
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:
The credit bureaus did not fix any dispute or investigation. The automative system continues to fail and not do anything about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
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:
XXXX XXXX  illegally furnished information to my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer to protect my non public personal information were violated by XXXX XXXX. 

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
My money has been placed in paypal for a long time, and I have been unable to withdraw my money. I have contacted them for many times, but they always say that they are still reviewing, so I don't know how long I need to wait My email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EQUIFAX, 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:
I sent three letters to XXXX, Equifax, and XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX, Equifax , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX, Equifax, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I 'm writing about a check that was processed thru Chase Bank on XXXX/XXXX/XXXX for XXXX. The check was signed but not authorized to be put through our checking account had an available balance of about XXXX in it. I had a few other thing that was pending that got pushed up and I received overdraft fees for those items that was pending ahead of the check. I called Chase to resolve the issue that stated it 's nothing they can do to call the merchant because it was paid. I asked Chase why would they pay this item without the funds available Chase stated they decide which items get paid or return. This check was attempted to be deposited on XXXX/XXXX/XXXX and it was returned because I only had XXXX cent available and I got a a XXXXfee now all my recurring items are being returned and I 'm getting fees. Chase will not work with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-27
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Allied collection services on XX/XX/2017. I received a response form the company by mail dated XX/XX/2017 by USPS letter dated XX/XX/2017 I mailed a copy of my Identity theft affidavit on XXXX XXXX by USPS as of today I have not received a response however this company continues to report to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, Coinbase locked my account without any reason or notice. I have been contacting them daily regarding unlocking it and have not received any correspondence beyond " Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' I have not been able to log into my account, sell/trade, or perform any actions. I have tried contacting on XXXX and XXXX and have only found more people complaining of the same issues. Some of this people ( especially in the XXXX group Coinbase ) are saying they have been locked out of their account for months without reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
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: Personal information incorrect

Complaint:
I have contacted all 3 bureaus to fix the issue. It had been fixed when I called but afterwards the information was put back on my reports. They are also reporting inaccurate information pertaining to my accounts across all 3 bureaus. The reporting information is inconsistent and it violates my rights under the FCRA.

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 2020-11-08
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: Was not notified of investigation status or results

Complaint:
On the date of XX/XX/2020 the Equifax received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Equifax asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XXXX/XXXX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Equifax was not able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Midwest Acceptance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Today XX/XX/XXXX I received a call at my place of employment from someone who didnt share their name yet asked for mine. Seeing that we are a business I didnt seem to mind it and told her who I was. It was at this point the lady responded by saying, oh Im calling to verify employment for a XXXX XXXX in which I immediately said no we do not have anyone with this last name. She then responded back saying okay thank you and hung up without acknowledgment of who or where she was calling from. It was at this point I decided to verify the number she called From and came to realize it was a company called Midwest acceptance who I had financed a vehicle through back in XXXX, so I decided to Call them back and ask if the call was for me and not a XXXX XXXX. The lady then said for me to hold and put me through to another gentleman who was very unprofessional confirming that I was the reason for the call and almost immediately threatening garnishments. Now in the prior years I disputed these charges due feeling that I was lied to by the dealership and Midwest because of a car accident that i was not at fault for but left with a balance and no car due to not being provided or offered gap. Midwest and the dealership knew that this was my first time financing a vehicle and argued with me stating that the reason I was not offered gap was because I would not have been approved for the vehicle if gap was added. After one year of fighting I decided to go to this dealership and came to find they had closed their doors for good leaving me once again in the dark. Fast forwarding to XXXX while checking my credit report I had seen that their had been 2-3 collecting agencies assigned at different periods to collect this debt but without communicating was showing closed and written off as a loss which then made me believe that I was now going to be left alone as the damage to my credit had already been done. As for today not only was I lied to about who was calling and who they where looking for but was immediately intimidated with threats to garnish if I did not make a payment. I then explained everything about my discrepancies and that I had seen multiple debt collectors assigned but that this had gone away and written as a loss but was told that Midwest has never reassigned and that I was a lying. This then printed me to request my original signed documents so that I could dispute this once again but before getting off the call was told that I needed to make a payment or expect garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian not able to provide Credit Score report despite information flow from my bank to Experian since XXXX. 
Contacted Experian multiple times XXXX and told my bank XXXX XXXX XXXX XXXXXXXX XXXX is not sending Experian my XXXX information. 
XXXX XXXX  XXXX conducted investigation ( see attached letter ) and concluded ( XX/XX/XXXX ) the Experian system does not recognize my first name and hence do not generate my credit report. 
Dispute letter sent to Experian XX/XX/XXXX ( see attached ). 
Received a postcard from Experian acknowledging dispute letter receipt XX/XX/XXXX ( do not have the exact date ). 
Have not heard from Experian since. 
Called Experian XX/XX/XXXX and told that I do not exist in their system and hence can not file a dispute. 
Being deprived of my Experian credit report results in disadvantage in negotiating mortgage with banks and receiving services from companies that rely on Experian for credit score investigations.

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 2021-09-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Housing financial educator did nothing to help but I paid them {$1700.00} and navy Federal knows they did nothing but won't help me get my money back because they are a third party. OK why do they allow you to get a third party to help if they will not acknowledge that you got the third party and what they did or didn't do. I can't get my money back because they are saying they got were the ones that got me put on this program when navy fed tells me they did nothing they haven't even talked to them. They said I have to get an XXXX for them to talk. OK why should I have to go through so much just to get my money back when navy fed knows they didn't work with them and all the have to do is say that. Again they said getting them was OK I even had to sign paperwork saying that I was working with them and it was on for them to share my info and now they can't say they what happened that makes no since at all. The money came out oXXXX XXXX XXXX and they won't help because I waited to long over six months to ask for my money. OK these were monthly payments and it was over six months that I saw they were doing nothing and XXXX never told me I has six months to get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, 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:
they are accounts in my credit report that violate the HIPPA Law and this company is letting happening without proper investigation as my requested. 

please see attached all my dispute letters i also move i am sending my current address as well with my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: MN
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:
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, EQUIFAX, XXXX AND XXXX, are all guilty of willful intent to harm my credit file by not reporting the correct balance owed since XXXX when it was nearly $ 4k, however, since XXXX it was {$0.00} and yet my file was not updated after XXXX when it should have been regularly updated as is par the course with all of my accounts receiving regular monthly electronic updates. I made several attempts to correct the false information causing harm to my credit report directly with the concerned parties who all said I should wait and put the blame on the other entity, i.e. the creditor XXXX XXXX blamed the credit bureaus who blamed XXXX with each saying the other party has 30 - 60 days to update my file which could potentially result in my having to wait 60 - 120 days for my balance to be updated when such is supposed to be correctly reported every month! This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Paramount Recovery is violating FCRA, FDCPA, Collectors are required by law to send written debt validation notice with information about the debt they're trying to collect. It must be sent within 5 days of 1st contact. This was never done. They just started reporting to my credit report on a debt I disputed from another company. Neither of the companies have sent any written notice for this. This is hurting my ability to obtain credit and creating emotional hardships. I have also filed a complaint with the State of Florida and their business license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union continues to report a po box address that is inaccurate and not mines. I have requested for the removal of this po box several times. Please update my consumer profile and delete this inaccurate information immediately. I have one accurate address on my consumer profile already listed.

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