BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ Data International never provided any letters, never notified me of any debt at all. 
First notice is a collection charge off on my credit report : XX/XX/2019 accountnumber : XXXX I mailed a certified mail with return receipt request for debt validation letter to their Washington State Department of Revenue License XXXX # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Entity name : XXXX XXXX XXXX Business name : I.Q. DATA INTERNATIONAL, INC. 

Despite XXXX XXXX receiving and signing for request for validation of debt letter on XXXX at the above address they have not sent validation of debt or any correspondence at all to me. 

They are attempting to use the address below on the credit report charge off which is not their legal address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX However I have contacted them at their legal Washington State Department of Revenue License address for a small claims court case suing them for attempt to collect an invalid debt. I have received no response for debt validation or small claims court law suit. 

This is a FDCPA Violation because the debt collector refused to validate debt despite signature return certified mail validation request sent to their legal address [ 15 USC 1692g ] 809 ( b ) Another FDCPA Violation occured when the collections agency has ignored request to verify the debt yet has continue to collect by adding derogatory item to credit report E [ 15 USC 1692g ] 809 ( b ) I have not received any overdue notices in the mail from anyone which I can prove by USPS informed delivery. My USPS informed delivery subscription also proves that I have received no mail from XXXX XXXX XXXX or I.Q. DATA INTERNATIONAL, INC. all letters are scanned by image processing before delivery proving this company never sent any mail at all to my legal address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Avant Credit Corporation
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have received a response from Avant an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter Avant sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Northstar Location Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company Northstar. I don't have any debts. They have the wrong number. They have called over 52 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened my Coinbase acct. in good faith on XX/XX/XXXX with my cell phone. Today is XX/XX/XXXX. I have never used any other device to log into my coinbase acct. Now all of a sudden, coinbase app says my device is unrecognized. I have tried the reset my password option but it still won't take. I am unable to get a live person to talk to and I have repeated submitted tickets to them, but they don't care to address it. I have also requested that they close my account, refund my money back into my bank account, and send me all the proper paperwork for me to file my taxes. No response from them. Now they have my money locked up with me unable to access it during this covid pandemic when every cent counts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
They do not care about your security!

My wife and I have grown accustomed to using XXXX  over the last month. However because I work as an XXXX XXXX and know how important security is, I change my passwords once per month on all my sensitive accounts. XXXX  forbids that! I have 5th 3rd Bank. If I change my password, I AM FORBIDDEN TO USE XXXX  FOR 30 DAYS!!!!! So, in summation, IF YOU TAKE YOUR SECURITY SERIOUSLY AND HAVE THE AUDACITY TO CHANGE YOU BANK PASSWORD - YOU WILL BE PENALIZED WITH A 30 DAY PUNISHMENT FROM XXXX  & 5th 3rd Bank.

Summation : If you have 5th 3rd and what to use XXXX, you can't EVER change your password without a 30 day penalty.

That goes against everything the security industry is trying to do to protect consumers. The fact that a Major Banking Entity like 5th 3rd Bank would passively promote never changing your password for fear of losing the functionality of transferring money is appalling, atrocious and frankly, makes me wonder about other security issues they ( XXXX  & 5th 3rd ) aren't sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had checking accounts at both XXXX  and Wells Fargo that were charged off due to overdrafts caused by unauthorized debits. This occurred towards the end of 2019. I notified both banks of the unauthorized debits. Instead of stopping the unauthorized debits and investigating/providing provisional credit as required by Regulation E, both banks charged me hundreds of dollars in overdraft fees in addition to the unauthorized debits, charged off my checking accounts, and submitted negative information to a credit reporting agency. I received no Regulation E disclosures regarding my disputes from either bank, and the negative information reported is preventing me from opening bank accounts with other financial institutions. I had a similar thing occur at XXXX XXXX  ( I'd like to clarify that XXXX XXXX  is NOT part of this complaint ), but instead of charging me fees along with the unauthorized debits and charging off my account, XXXX XXXX  handled the situation correctly by refunding all unauthorized debits and any related NSF fees. My account remains open and in good standing. I don't understand how XXXX and Wells Fargo can get away with doing the opposite. They've harmed me financially and reputationally. This needs to be fixed.

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 2020-12-11
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
i did not authorize my credit to be run several times only once with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: ME
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:
sent XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX which was received by them XXXX when I called them 10 days later, they said they " did not know '' if the information had been scanned. 
Then I got a form from XXXX XXXX indicated they needed more information- ALL information needed was included in the package sent to them USPS- the Representative transferred the call, and the wait time was ridiculous ; and the designated dispute representative indicated they couldn't confirm receipt of the information packet that was sent to them Tracking # XXXX XXXX XXXX XXXX XXXX XXXX to try and log onto their " site '' is impossible ... typing in SSN multiple times, and no clear indication of username and password.

Equifax Tracking # XXXX XXXX XXXX XXXX XXXX Package Delivered XX/XX/20 XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Package Picked up XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Midwest Recovery Systems
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: Account information incorrect

Complaint:
I am in the process of applying for a mortgage. A brand new negative entry for a collection account from Midwest Recovery ( orig creditor XXXX, {$2900.00}, XXXX ) has recently been added to my XXXX and XXXX credit reports, approximately 2 weeks after the mortgage application. I have never had an account with XXXX. I have never been contacted by XXXX nor Midwest Recovery, no phone calls, no mail, no emails. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2023 I received a promotional flyer in the mail from Chase Bank which stated if I deposit XXXX into a savings account and leave the funds in the acct for 90days I would receive XXXX which I received, the same mailer stated that if I set up direct deposit and have a direct deposit into checking within 90 days of enrollment I would receive an additional XXXX dollars of which I still as of XXXX XXXX  havent received, finally the mailer stated that if I successfully completed both offers id get an additional XXXX which as of today XX/XX/XXXX havent received. I called XX/XX/XXXX and inquired at which time a tockets was reportedly placed on my behalf with the back office to research, and I was then told that it was a system issue and id receive the missing XXXX dollars within 15days I waited and then gave a few additional days with still no payments, Ive called twice in the past week and half with no further info provided, tonight I called and they opened up a follow up as we are almost 30 days past the initial inquiry and chase has not upheld their solicited offer to me which I consider a legal agreement.. at this point they need to pay me interest on the missing funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX  and XXXX. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2019, I filed a dispute for a collection I noticed on my credit report. The estimated date for completion of that dispute was XX/XX/2019 and as of this day, XX/XX/2019, I still have not heard anything or received any results. I would like this negative listing taken off my credit report.

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 2020-09-04
Company: Experian Information Solutions Inc.
State: TX
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:
Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report from XX/XX/XXXX-XX/XX/XXXX, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report from XX/XX/XXXX-XX/XX/XXXX, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately

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 2022-11-23
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an account reporting on my report in the amount of {$5500.00} from XXXX XXXX XXXX XXXX Experian did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue

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 2020-12-10
Company: Ascendium Education Group
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am writing in regards to a company by the name ASCENDIUM who has been harassing me about monies they say I owe to them. I have never agree to a contract with them. They have stated that I owe them XXXX, XXXX. I have sinced asked them to send me a copy of the contract with their letter head that I signed an agreement with them. Of course they sent me a something with XXXX LETTER head. XXXX stated that the amount owed to them is XXXX. But ASCENDIUM stated the amount owed is XXXX more than navient has stated owed. Again I have never agreed with or signed a contract with ascendium. I don't understand how they can fudge XXXX extra. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
My lease contract ended on XXXX XXXX. After speaking to the lease return department, I was advised that I could extend my lease for up to 6 months in 2 month increments. I was told that if I do not return the car the car would go on automatic extension and I didn't need to do anything. Sometime in XXXX, I was contacted by GM Financial asking whether I returned the vehicle. I was advised that extensions needed to be approved and that I needed a reason for extending. I explained that due to the pandemic, I am out of work and would not qualify for a new lease leaving me with NO form of transportation. I asked for more time to get employed so that I could secure a new car. I was approved until XXXX and requested another two months. They advised that now I needed to sign documentation. The documentation was emailed to me. I explained multiple times that I do not have access to a printer and would like to have the documentation mailed out instead. On XX/XX/XXXX they finally decided to mail the document to me. Upon receipt I would sign and email them a copy. At that point I could request another extension, and per the representative, my reasoning was valid and she didn't see any reason why I would be denied. Today, XX/XX/XXXX I receive a call saying that I need to return the vehicle and that my request for a new extension would be denied. Every conversation with GM Financial has been such a headache. Different representatives tell me different and inconsistent information. They do not read the notes on file, and continue to berate me for simply requesting an extension, which is allowed and stipulated in my contract. Many families have been affected during this pandemic and I really can not understand GM Financial 's inconsiderate, unrealistic, and unlawful treatment of it's customers. My husband uses the vehicle to get to work. He is the only individual working in our household. The representative was rude and showed no compassion, and even said that because I am not working that is even more reason to return the vehicle, to alleviate financial stress. That is not their concern. It's the only way for my husband to continue working and pay the bills. The vehicle is paid every month and her response was distasteful and disrespectful. I don't understand what changed since my last conversation with GM Financial. I haven't even received the documentation in the mail yet. Supposedly I am not able to request an extension without sending over the signed documentation. And yet they're able to deny my request? I don't understand. They won't put in my request for extension until they receive the documentation but they already know they will deny it. That is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: GUARANTEED RATE INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company collected all of my personal financial information including SSN / tax returns / P & L statements, etc, but then dropped off the radar and stopped responding. XXXX XXXX was assigned to be my loan officer.

Company response to consumer: Closed with explanation