BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: National Credit Adjusters, LLC
State: GA
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 received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate NCA {$310.00} NCA {$480.00} NCA {$370.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, 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 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: LA
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 disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on account

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate XXXX {$310.00} XXXX {$480.00} XXXX {$370.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, 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 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX XXXX, 2021 at XXXX I contacted the XXXX XXXX/Vanilla company via phone as I was receiving an error message in XXXX XXXX and XXXX when I tried to use a {$50.00} gift card we received for my son 's birthday. I spoke with XXXX and provided her with my address, name, date of birth, email address and the gift card numbers/information. XXXX stated the card was compromised and opened a case - # XXXX. She indicated I would need to email a photo - front and back of my driver 's license. I explained my concern in doing that due to identify theft. On XX/XX/XXXX, I sent an email follow up and the company stated that I hadn't sent in documents for my case. I replied and asked what documentation they needed and why they needed it. They replied stating they needed a copy of my driver 's license and a copy of the receipt. When I again asked why they needed the driver 's license, they responded on XX/XX/XXXX stating it was part of their 3-step verification process. They also requested a photo of the front and back of the gift card, which I promptly provided. I also explained that the gift card was in fact a gift and I do not have a receipt. They indicated that if I know the store where it was purchased, I do not, I could go to the store and request an electronic journal. I sent a follow up email to confirm that without the receipt, will the company replace the gift card and they have not responded. I understand gift card fraud is an issue. However, I have provided photos of the card, I have provided all of my personal information. While extremely hesitant, if you advise it's not an issue, I will provide a photo copy of my driver 's license. However, I do not have the receipt as it was a gift and I do not know the store where the item was purchased. The company is making it extremely difficult to use a gift card that I was provided as a gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I contacted the lender to remove the open status from my account and delete it because this is not accurate information and its hurting my XXXX XXXX and is preventing me from getting a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and will now cost me time and money ( to freeze my credit with multiple bureaus ). Further, it will continue to soak my time and money by requiring me to unfreeze reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This card is from XXXX. I had payed it off before cancel my card with Wells Fargo. I had received a letter a little over a year, XXXX, stating the amount owed and that it went to collections. I was just aware of this and in the past I never received a statement or anything. I tried to dispute it and yet it appears on my credit because the bank claims that I still owe this money. I called back maybe in XX/XX/XXXX I called to see what can be done and the collections department said that they couldnt do much because a lot of what I was told was not written in the notes.

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 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I am requesting information from KOHLS Dept Store on a credit account they are reporting to XXXX  XXXX XXXX. I requested an investigation of the account status and how it was being reported. Please confirm the status of your response to the following credit reporting agencies ( XXXX, XXXX, XXXX ) in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: CT
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:
According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a  secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

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 2022-04-07
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bank with a serve debit card. And Im usually late on seeing my transactions. And I thought something was a little weird when I added money to card but it seem to be slowly but surely disappearing. Moving so fast and dealing with other issues I just continued to add money and continue on.until I see my transaction history. Ive noticed charged from an atm withdrawal and unfamiliar address and Im starting to see exactly that my money has been stolen in another state I do not reside in nor never been. Within two days my card was missing XXXX in atm charges XX/XX/2022 XX/XX/2022 and XX/XX/2022 I believe all with an weird address XXXX XXXXXXXX XXXX also one from an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. Also the card is my sub account I usally only use online because my husband declined the offer of banking with serve due to problems Ive had with them over the years but the main account is mine in general. Can anyone help me get my funds back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: CT
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:
According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These loans are duplicately reported along with XXXX and XXXX XXXX XXXX. This account was on an approved deferment and therefore was never late. The unscrupulous practices of student loan companies make it almost impossible to repay and hinders your credit unnecessarily. Please correct this error immediately to paid as agreed never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: The CBE Group, 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: Their investigation did not fix an error on your report

Complaint:
I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with CBE Group, XXXX XXXX XXXX XXXX XXXX and XXXX. They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first and second dispute was submitted. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: CA
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 would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send  XXXX  and Experian alerts to remove the remarks because no investigation was done by the companies in a timely matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
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:
Hello, I have tried twice to fix my wrong ratings on my consumer report with Equifax. I have sent a first dispute on the XX/XX/XXXX. 

Credit bureaus usually have 30 days to answer your request, which they have not respected the first time, since I did not get any answers and had to dispute a second time. 

Both my accounts are settled and should have an updated MOP at XXXX and not XXXX. 

I have sent another round of dispute online on XX/XX/XXXX and now they have answered me and said that the information has been updated, but the MOP is still the same. 

They should be reporting the correct rating, since this affect my financial life and freedom. 

Here is what the Government of XXXX states to be rated 7 : - 7 Making regular payments using one of the following debt management options : a consolidation order orderly payment of debts consumer proposal debt management program with a credit counselling agency https : XXXX XXXX this can be fixed so that I can keep moving forward with my credit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent a {$300.00} payment in addition to the regularly scheduled payment {$410.00} on the student loan with Navient. I included a note with special instructions stating this {$300.00} was to be applied to principal only. Upon checking the account history, the {$300.00} was split {$110.00} to principal and {$180.00} to interest. This student loan was originated XX/XX/XXXX. I am trying to get the loan paid off. On XX/XX/XXXX I had submitted a {$4000.00} check with instructions for this money to go on unpaid interest and fees. Account history shows {$72.00} was applied to principal and {$3900.00} was applied to interest like instructed. Why are the special instructions not being followed? I am trying to get the loan paid off. 

Upon review of account history, the payments have alternating months when interest is greater than principal management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
There are two Bankruptcies on my report that I will continue to dispute that are not mine. Please remove immediately. I have not filed Bankruptcy.

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 2021-06-11
Company: OKCoin USA Inc.
State: IL
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 or about XX/XX/XXXX, I opened an account with OKCoin. 

Two out Four deposits were rejected by OKCOIN or the bank for identity concerns. 

I submitted all documentation to OKCoin customer service. 

I was then notified about the deposit issue so I offered to re-deposit funds. 

I didnt hear for customer service until mid XXXX asking me to deposit funds, however my account was never restored to deposit funds. 

The funds have since been taken out of the account however I still have my own personal funds that are not accessible because my account has been suspended for several weeks. 

My account is illegally suspend for no reason at this point if the deposit funds have been recovered and all identify information has been cleared on my end. 

There should be no excuses and my account fully restored. 

My next step is to contact the states attorney general for the lost funds and damages not being able to withdraw my own funds and XXXX.

Company response to consumer: Closed with explanation