BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: Action Revenue Recovery, LLC
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: Was not notified of investigation status or results

Complaint:
After receiving my credit reports noticed a company named Action Revenue Recovery had placed an account in the amount of {$490.00} on my reports. I've disputed the information asking for validation of the account and I have not received a response from the company. I do not believe this information is correct and I ask that it be removed from my credit reports promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: AR
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 recently ordered my credit report form Equifax and i noticed some inquiries that i did not authorize. Such as XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Equifax multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
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:
My wife and I froze our credit back in 2017 after the widely reported data breach. We were easily able to unfreeze XXXX and XXXX, but trying to get XXXX to unfreeze has been incredibly complicated. 

We try to reset our PINs, but the PINs they provide don't work for the online service. It is impossible to talk to a human on their customer service team. Their offices are open XXXX on M-F and my wife and I are both working right now. She's a XXXX  and does not have 30 minutes during the work day to sit on the phone with someone. During the COVID pandemic, they're still suggesting mailing several documents as the best approach. We don't have access to all the documents they suggest so we'd have to find a place to go and print which would violate our shelter in place guidelines. 

They are unable to verify my identity despite me entering all of the correct information online.

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 2022-10-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX. : # XXXX, has violated my rights.

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

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

15 U.S.C 1681c, ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made a payment of {$200.00} to a seller that was selling shoes and clothing through an instagram account. 

I made the payment using XXXX by XXXX on the Chase XXXX and assumed, since the option was in the Chase XXXX itself, it would be simple enough to have the payment canceled if I ended up getting scammed. 

After I sent the seller my payment, he blocked me on XXXX, meaning I could no longer contact him whatsoever. I tried contacting the seller about the scam on 4 seperate XXXX accounts, only to have them all blocked as well. 

The following day, XX/XX/XXXX, I called my bank to see if there was anyway for them to cancel my payment, but according to them there was nothing they could do, and using XXXX was the equivalent of handing the seller cash. This took me by surprise as I thought XXXX would have had a strong connection with my bank and a strong protection program, considering the option to pay was right in Chase 's XXXX, but apparently I was wrong. 

I'm XXXX XXXX XXXX and I really don't want to get into a huge law enforcement mess, as I'm pretty sure that will cost me more money than I'm trying to get back and a lot of stress, all I want is my {$200.00} back that I assumed would have been protected by my bank. 

The sellers XXXX account XXXX ( that's two underscores ). 

Thank you for taking your time to hear my concerns, and I really hope to hear back from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking 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 2022-01-11
Company: EQUIFAX, INC.
State: GA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXX  Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: AL
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 spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: WELLS FARGO & COMPANY
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:
XXXX, 2017 was the date of signing the bankruptcy. The amount of the charge-off was {$620.00}. I have asked the credit card company to change the statues from a charge-off on the account with the credit card ; but they refused to change it on my credit report from last year. I have several payment statement receipts showing that I have made payments unto the account was paid in full. I had put the account through a bankruptcy ; but then I had the bankruptcy dismissed by asking the judge to cancel the bankruptcy completely.

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 2022-01-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo and Wells Fargo Advisors, have failed to supervise their Financial Advisors for improper use of their client directed Asset Advisor Accounts. Some Financial Advisors at the firm, utilize the account as a FA discretionary account. Instead of calling the client before placing trades, specifically elderly clients, about trades that are made in the account, the FA takes discretion and places trades. Some FAs also use the account to generate ongoing fee based business by placing securities in the account that are long term holds, with little or any other securities in the Asset Advisor Account. These long term hold securities should be placed in a regular brokerage account, where ongoing annual fees are not charged to the client. I have made Wells Fargo aware of these inappropriate uses of the Asset Advisor Account, to my immediate supervisor, XXXX XXXX, who has recently been fired. He was the Divisional President. In addition, I have made XXXX XXXX, Head of the Branch Network at XXXX, aware ... XXXX XXXX, President of XXXX, and XXXX XXXX, previous President of XXXX, and now President of the XXXXXXXX XXXX at XXXX, are also all aware, and they all have done nothing to stop it. The improper use of the Asset Advisor Account in order to generate fee based revenue is a systemic problem at the firm across their entire footprint. I can attest to this and provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: GREAT LAKES
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:
XXXX XXXX XXXXr XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of Great Lakes inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018, I received a bill in the mail for my credit card that was maxed out. That's when I noticed it was stolen ( as it originally had a XXXX  balance on the card ). I called Discover to notify them of my card being stolen and made a fraud report. The transactions total over {$4000.00}. Discover held an investigation since this time, but is still reporting me liable for these charges. I have provided numerous documentation to help support my claim from police reports, to phone records, to identity theft documentation, etc. I would like help in resolving this matter as I don't feel it's fair for me to make these payments on transactions that I didn't make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
VIOLATION { FDCPA } { 805 } { 15USC1692 } ( C ) [ PARA ] ( C ). CAUSING THE TELEPHONE TO RING REPEATEDLY OR CONTINUOUSLY AND MAKING REPEATED AND CONTINUOUS TELEPHONE CALLS WITH THE INTENT TO HARASS AND INTIMIDATE THE PERSON AT THE CALLED NUMBER 3 TO 4 TIMES DAILY..A CEASE AND DESIST COMUNICATION DEMAND LETTER WAS GIVEN TO THE CASH STORE ON XX/XX/18 AT THERE CORPORATE OFFICE AND THE LOCAL BRANCH BUT THEY JUST IGNORE MY LETTER.AND KEEP ON HARASSING ME AND CALLING MY SON AT WORK GETTING HIM IN TROUBLE BECAUSE THEY DON'T ALLOW CALLS.THEY CALL MY FAMILY MEMBERS ASKING QUESTIONS NOT RELATED TO ANY LOAN PROBLEM.

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 2021-07-08
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21, I transferred {$120.00} from a Venmo payment from a friend via bank transfer. I submitted the incorrect routing number for the bank and tried to cancel or retrieve the transfer within 10 minutes. I couldnt do that on my own so I started a chat with Venmo customer support. The Venmo representative told me to contact my bank and wait 3 days, even after I told them the routing number was for a bank that was not mine ( multiple times ) and I would NOT see the money applied to my account, a loan, or a mortgage as a line of credit as they told me to expect. They told me there is nothing they can do aside for tell me to contact my bank ( even though the routing number is for a bank that is NOT mine ), wait, and contact them after 3 days if things are not sorted. The disappointing part is that a company specializing in money transfers does not have the ability to cancel or retrieve a bank transfer until after 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: MN
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by XXXX immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian violated my rights in violation of the CFPA, FCRA, Privacy Act, Freedom Of Information Act, Privacy Act, and other applicable state and federal regulations or laws. Experians violations against came to coerce me for complaining and filing with the CFPB complaints about Experians many Violations against me.

- Experian is not willing to stop its retaliation against me and continues to discriminate against me and it blocks me from accessing my credit report.

- Experian is Trying now to force me to one side benefited arbitration to cause loose my rights including but not limited my right now to sue Experian at anytime without a notice but from a summon to be served most likely soon by a U. S Marshal to The defendant.

-Experian must understand that you can not destroy my credit in retaliation and walk away with your crime without legal punishment and a severe one.

I attached a snapshot from the new restricted to copy agreement of authoritarianism and slavery that Experian wanted badly to force me to enter and I reject it at its entirely and I dispute it.

If the CFPB will not investigate Experians violations and cheating against consumer rights then between us public opinion, media and courts.

All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights.

Thank you, The complainant

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 2019-04-08
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, XXXX XXXX and Sage Stream. I am in the process of buying a home and I need access to my files 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 2018-01-08
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I bank-wired {$3000.00} USD to Coinbase , Inc. on XX/XX/XXXX. They have not credited this to my Coinbase account, XXXX Their phone customer service does not handle this issue. 
Their online customer service has been entirely non-responsive. case XXXX. 
I confirmed by phone with XXXX XXXX XXXX that the wire was received.

Company response to consumer: Closed with explanation