BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: OH
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 recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.

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 2021-09-11
Company: Grant & Weber
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was added to my credit report without prior notice. This is not my debt and has been proven valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.

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 2022-03-08
Company: EQUIFAX, INC.
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 been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX  Balance {$20000.00} XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX  Balance Equifax : XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$16000.00} Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NC
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: VA
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:
today is XX/XX/19 i pull my experian report come to found out they report fraud accounts on my report i have tried 5 to 6 times to dispute the accounts with them and they comes back with in 5 min saying verfied it aint no way in this world they could have dispute the accounts in 5 min its a disgrace with EXPERIAN i have a FRAUD elert on my account now for a couple months here are the accounts and this is the catch they have been remove from equifax and XXXX accounts .... # XXXX XXXX XXXX XXXX its been remove from equifax and XXXX but not XXXX acount .... # XXXX i XXXX this account also have been remove because of fraud elerts and identity theft but experian will not listen to me i got hung up on the other day trying to expling my concern but no help over there all they say is call the credit copany and i did and they say its up to experian crpb plz tell experian its aginst the law to report fraud accounts on people hard earn credit report its killing my fico score .... Account # XXXX XXXX XXXX XXXX i do not know anything about this account its a fruad account ... Account # XXXX i never had a credit card they saing i had i told them to send me a contracsaying i sign up for this card and they said its veried but i didnt recive no paper work its crazy Account # XXXX XXXX XXXX XXXX i dont know what this is this why i file a fraud elert because someone or somebody putting stuff on my credit report thats are a fraud plz remove its aginst the law .... ALL I want is somebody to stand on my side because talking to experian will not help removing these accounts they dont care about the law all they worry about the money not my credit its the law to report fraud accounts

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 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ONE, XXXX, XXXX, XXXX, XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: LA
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, these accounts have violated my rights. 

XX/XX/XXXXXXXX XX/XX/XXXX- XXXXXX/XX/XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX 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 An Account Without My Written Consent.

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 2019-04-29
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fair resolution would be to have the derogatory inquiry removed from my credit file on the grounds of me trying to begin the homeowner process of purchasing and better understanding my credit from this life learned lesson. If the remark was removed it will assist me in this process of financial stabilizing my future as well as my families future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: LEXISNEXIS
State: CO
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: Other problem getting your report or credit score

Complaint:
I received a letter in the mail from Lexis Nexis Risk Solutions dated XX/XX/XXXX. 
Titled Colorado XXXX XXXX Notice. 
It said I was receiving the letter because : " [ 1 ] report ( s ) of negative information added to your file. '' I immediately went on their website as instructed in the letter and request a copy of the disclosure report. 

On XX/XX/XXXX I received a letter in the mail stating that they couldn't process my request. 
I emailed them explaining the situation on XX/XX/XXXX, and they responded with a boilerplate email containing information that did not address my concern about what they would need to process my request for the report. I replied to the email on XX/XX/XXXX and received the same boilerplate response again. 

On XXXX I completed the online request again, trying to see if I could decipher what the issue might be with their inability to process my request. I got the same boilerplate letter in response again today. 

I have also tried to call them on the phone and get only a recording that loops over and over again. 

It is as if there are no actual humans working for this credit reporting company. 
They are completely unresponsive and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 28 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-11-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX 's from XXXX XXXX firm was asked TWICE not to contact me at work and continued to do so. He would call my place of employment repetitively would and would let the phone ring an excessive number of times. Because I work in a customer facing environment, this created a challenge for the daily operations of our branch as well as having the phone line free for our customers to reach us. XXXX XXXX called my employer AGAIN on Friday XXXX XXXX, XXXX and this time told one of my employees that he was " my buddy '' and released information to her about a signature that he needed to obtain. I would to formally request this company be looked into. They are calling me from XXXX. Also they have called me from local numbers such as XXXX. The calls to my employer are the most concerning considering I have asked this gentleman to cease contacting me at work on two occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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 status incorrect

Complaint:
I sold a property in XXXX which then closed, funded and recorded on XXXX/XXXX/XXXX. I have wire funds confirmation provided to me by my escrow company confirming this. I recently have received alerts from one of the credit bureaus that I have late payment for XXXX. I have attempted to navigate thru XXXX XXXX XXXX web site and sent multiple e-mails with supporting confirmation documents and no response.I have asked that this be removed from my credit report asap. 

Loan is under XXXX XXXX XXXX XXXX number : XXXX XXXX Account number : XXXX Property address : XXXX XXXX XXXX # XXXX XXXX, CA. XXXX Wire amount : {$300000.00}

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 2022-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
{$1000.00} extra payment to principal made on XXXX put in special deposit. 
{$1000.00} extra payment to principal made on XXXX put in special deposit. 
We have called many times for them to correct it still has not been posted!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CITIBANK, N.A.
State: PA
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:
per XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX opened XX/XX/XXXX, closed XX/XX/XXXX highest balance {$890.00} passed due : 90-119 days late balance : {$0.00} I have no idea what card this is. I have n't been late with a credit payment in over 25 years. Please review my credit report. I take paying bills very seriously. I do n't know how this would have occurred. Thank you!

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 2022-03-08
Company: PLAZA HOME MORTGAGE, INC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For the second month in a row, I have had misapplied payments intended to be applied to mortgage principal only as regular mortgage payments. The payments are made within 1 week of the normal mortgage payment in amounts greater than the normal monthly payment. The checks issued by my bank have the words " PRINCIPAL ONLY '' in the memo field. When calling the mortgage company to correct the situation, I have also requested that a supervisor call me back, to further discuss my displeasure with the company and I do not receive a call back as promised. The adjusting transactions that are supposed to be dated back to the original date received from last month were not back dated which will result in additional interest being charged to my account. I find this totally inappropriate and should be illegal. This is my second complaint filed just one month from the previous complaint. This company needs to be investigated by the CFPB to insure that other customers are not also being handled improperly. This looks like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Wells Fargo has denied this and I need your help PLEASE! 

Wells Fargo Bank XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX On XX/XX/21, I was contacted via my computer with a SCAM. I immediately replied to XXXX that I did NOT even know what XXXX was, nor did I know who this person was. Within minutes, I received another email that {$3400.00} had been taken from my XXXX account. 

We immediately went down to our local branch in XXXX XXXX XXXX branch and spoke to XXXX. She closed our account and initiated a request for a new account. While on hold with the Fraud Department, her phone was cut off at noon ( since bank closed for XXXX XXXX at noon? ). 

We went home and I immediately contacted the Fraud Department myself. I advised them that the transaction for {$3400.00} was a SCAM I have NO IDEA who the person was who was initiating a XXXX transaction for this amount. I also had NO IDEA what XXXX even was until the Bank representative told me. Apparently this is something that someone has to initiate with their account # or something and we did not do this. 

There was another XXXX request the next day simply stating that someone wanted initiate something but no amount ever went through on this. It was a different person 's name but both were XXXX requests. They may even be 'working together ' on this SCAM.

Whoever this is needs to be reported. We have requested that NO XXXX TRANSACTIONS be processed on our account and the local branch has assured me that this is done now. 

Please reinstate this {$3400.00} credit to the account. It is a totally false transaction and it is not fair that I have to have this case closed because XXXX states they can do nothing further. Another bank would have investigated this further and found out exactly who these individuals are.

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 monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 28 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried logging into my Coinbase account on XX/XX/XXXX to make a trade. However, when doing so I saw my XXXX balance showed {$0.00}. I knew this could not be the case as I had ~ {$9000.00} dollars worth of crypto on this account. I saw my account had funds in it up until XX/XX/XXXX. 

When trying to call the support line I was told that there was no account tied to my phone number. However, I could see in my account settings that my phone number is indeed tied to my account. I tried emailing Coinbase and got no response. I could not create a ticket for their support team as I was not getting emails from them. The only way I was able to get into contact with them was via XXXX DMs. This is absolutely absurd that the company couldn't be bothered to pick up the phone when so much money was in question. 

Long story short, I was able to get into contact with Coinbase support. I was told that my account had been hijacked and the attacker was able to circumvent Coinbases security, my phones two-factor authentication, as well as my email. I know that I never received any emails or text messages regarding this transaction. 

Support told me that the security of my account was all on me. This is fair however, I am a technologically savvy person and know I received no such correspondence. I have no idea how my account was breached in this manner. 

My main complaint ( aside from the obvious drain of my account ) is that it was impossible to get in contact with anyone from Coinbase until days after the initial incident took place.

Company response to consumer: Closed with explanation