BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent the letter below via Certified Mail to Experian. Experian notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Experian over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX

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 2018-02-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I wire transferred {$40000.00} from my business account to my personal account at Coinbase.com / XXXX. The funds never posted on my account. 

After 10 attempts to contact coinbase / XXXX through phone, email, and their support system I was send an email from coinbase that the wire was not accepted and the wire was going to be reversed during the next 7 business days. 

Today it is XX/XX/XXXX I have kept sending emails, calling, and leaving messages on their system. They have not replied one of my messages with a response about the refund of these funds. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Fairway Independent Mortgage Corporation
State: NV
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:
Loan company ran my credit report without authorization. I never filled out anything online Spoke with anyone to authorize them to or signed my name No verbal consent was given either A hard inquiry was reported to my credit and I never gave consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/2022 I received two emails from navient demanding past due payments and late fees totaling over {$380.00}. I am supposed to be in the income driven repayment plan and have recertification as needed every year, but navient keeps saying they didn't receive any documents pertaining to the income driven repayment plan, but it says documents sent successfully. On top of that I believe that navient is taking the Pell grants I was rewarded and instead of deducting that free money that I don't have to pay back and they are adding it to my balance to draw more interest. Plus my student loans were on pause until I got a call from navient saying I need to pay my student loans and I tell them I'm in the IDR repayment plan they respond by telling I wasn't and I would need to go into forbearance. A month or so later I am getting emails to make a payment on paused loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.

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 2021-05-05
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My XXXX payment was direct deposited into my paypal account on XX/XX/2021. Upon deposit I found out that my account was limited due to " needing to verify my identity ''. I followed the guidelines to verify and was told I would have access to my XXXX within XXXX business days. XXXX days later I received an email stating I was no longer permitted to have a paypal account, and any funds in my account will be frozen until XXXX days after the XXXX of XXXX, and after the XXXX days pass I would be sent instructions on how to collect my funds when they are released from the account freeze. They also started that by their decision is final and I could not appeal their decision. Ive called them multiple times trying to explain that there must be some.mix up. I only had the account for XXXX months at the time of the XXXX deposit and only made XXXX transactions in that time. They refused to look at my situation or the fact that I am unemployed already already drowning in debt and about to become homeless. This is a XXXX, to help us struggling people who were affected by the covid pandemic and the XXXX payments are meant for us to catch up on out debt. Well I think it isn't right that they can keep my funds because they say I haven't proven my identity. Can I do anything about this? I don't know.what else to do. Please help me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: OPORTUN FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect, inaccurate or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} OPORTUN PROG I AUTHORIZED CFPB to receive information on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: TN
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 I disputes an inaccurate and unverifiable medical collection with Equifax..3 alleged accounts total.Equifax removed 2 of the accounts but came back with the third account as verified.These same accounts from the same data furnisher were disputed also with XXXX  and XXXX both CRA 'S deleted all 3 alleged accounts from my credit file.My right to a 100 % accurate credit file has been violated and Equifax has failed to comply with the FCRA.I have provided proof that these accounts should be deleted immediately from my credit file.My ability to obtain financing has been severely harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX I received a targeted offer from Delta   to receive XXXX Delta Skymiles and a {$50.00} credit by applying for the American Express Delta Skymiles Credit card. 
The provision was to spend a minimum {$1000.00} within the first 3 months in order to receive the miles and credit and to have the account in good standing. They require 8 weeks to award the miles and credit. 

I received the credit card in XX/XX/XXXX. The spending was requirement was quickly met within the first month and the account balance always paid in full on time. 

It is now almost XX/XX/XXXX ( 6 months ) and after 4 dialogues with American Express, they still have not awarded the miles. Even elevated to management they say " they - some remote awards center '' are working to resolve it. Each dialogue results in a note being sent to the department that awards miles and that it will take another 24 business days to cycle. 

This is a clear case of shenanigans. I believe American Express could resolve this quickly if they chose to and probably wish consumers would just give in and forget about the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Out of retaliation for previous complaints Experian has BLOCKED me from filing a dispute online. Further, any time I call Experian I am on long extensive holds at all hours of the day, greeted by incredibly rude representatives who refuse to answer a very simple question ; Why am I blocked from placing a online dispute. 
Experian has a file on me they received from stealing information with their website which does not inform consumers of the information they are exposing by using the Experian website. I am requesting the complete unredacted file Experian has collected on me.

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 2020-10-26
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I submitted an application to refinance my mortgage along with required documents to SWBC Mortgage Corporation, NMLS # XXXX. Upon SWBC request, I paid {$500.00} to SWBC for an appraisal. The appraisal was completed on XX/XX/2020. It is has been over 60 days later, and I am still waiting and to no avail. Additionally, I have been asked to re-submit documents I have already submitted because they have expired due to the delay on the part of SWBC. I do not want to wait until the rates go up or continue submitting expired documents.

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 2023-07-05
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under Paragon Revenue Group.

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance.

*Please note this account has been removed from my XXXX credit report , I am requesting for it to be removed from my XXXX  credit file as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is a " satisfied '' XXXX collection on my account and it's on two bureaus. 
They both have illegally re-aged it ( transunion and XXXX ) and XXXX does not report it ( becuase it's erroneous ) XXXX reports positive payments on a paid collection which is not legal or possible. Transunion reports current date of last active status. This should not be on my report abd the bureaus continue to report incorrect information.

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 2018-08-17
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 a person using my name opened six accounts at WELLS FARGO BANK Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Each have a deposit of {$1.00}. They claim to have called me. I have no records of any call. WELLS FARGO refused to give me the telephone number they call ( and that they have on record ). Neither of my two phones I read to them matched the phone they claim to have used to call me and they refused to give me the number called. 
On XX/XX/2018 a received a check from WELLS FARGO in the amount of {$1.00} for each account ( total {$6.00} ) indicating that the accounts were cancelled. 
In the telephone conversation on XX/XX/2018, WELLS FARGO BANK informed me that the accounts where indeed cancelled on their initiative. After my complaint of they accepting to open such unusual and perhaps fraudulent accounts they promise to investigate. Case Number : Wells Fargo # XXXX. 
The documents opening the accounts had my correct name and SSN but a incorrect Drivers License number. 
It seems that my identity was compromised and that WELLS FARGO colluded with the person to open the account to make it appear that 6 new accounts have been opened. 
WELLS FARGO accepted opening the accounts by a telephone call on XX/XX/2018 by someone impersonating me without proper checking of identity.

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 2019-01-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had American Express Plantinum and Gold charge cards, and have admittedly had a series of late payments. As of yesterday, the company have cancelled the cards which is very troublesome. While I realize that this is their prerogative, I find it hard to believe that they cancell all cards that are late on payments. I know many people that have one or both of these cards, they carry balances, and pay late but their cards have not been cancelled. None of my recent payments have been 30 days late, and I fear that this cancellation will adversely impact my credit score. I really believe that this could be discrimination based on my last name and that is quite un-American and illegal if proven true. Any assistance that you could provide would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because CREDIT CONTROL CORP has damaged my financial emotional life. They have been being negligent with their report. The account involved is the following : Account : XXXX Date Opened : XX/XX/2018 Original Balance : {$570.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc.

Please send the attached documents to the company.

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation