BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Conn's, 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: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had two business cc accounts with chase which has never been reported to my personal credit report unfortunately due to XXXX  which I suffered through very severe I was late over sixty days and for the first time, they started to report it to my personal credit file which is now causing me damage while applying for a mortgage. As per the CARES act, Chase would've deferred the payment upon request however, I wasn't capable of reaching out to anyone at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX opened several accounts in my name, including a credit card I did not request or was sent to me as a debit card. A settlement dispute was resolved over multiple accounts back in 2016. However, the credit card was charged off & I was never sent the bills after I became XXXX and was in a XXXX XXXX. 
I've tried to resolve the issue with their collection firm and attorneys, however, there is nothing they can do since the settlement was not recorded in a court or via their legal team. 
I still have not received any compensation after XXXX XXXX opened more than 4 accounts in my name, charging me extra each month on each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX-XXXX-2017. Coinbase communicated to me via email to confirm new devices with IP address  from XXXX and XXXX, asking me to immediately disable the account in case you do not recognize these activities I live in XXXX, and so I followed their advice by disabling my account through a link sent to me by coinbase. The problem that now I can no longer access my account and I 'm worried about my deposited money, the support always responds with a robotic message. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For fraud and scam Thank you for this chance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: T.S. Holdings
State: AZ
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:
Moved out of XXXX XXXX XXXX  ( XXXX XXXX XXXX ) after giving my 60-day notice. Upon turning in the keys, I requested to be present for walk-through. No notice was ever given of when this would be. 2 weeks after moving out, I receive a collection agency letter stating I owed approximately {$140.00} and that they hoped I had enjoyed my stay at XXXX XXXX and that I had received notice from the apartments about my past due amount. I NEVER received a move out walk-thru notice from the apartments!!!! And keep in mind this is only 2 weeks after I moved out!! So where would be the time to pay them even if I HAD received a bill from them? They had already sent it to collections! I paid a visit to the office after receiving the collection agency notice and XXXX, the receptionist, went in the back, spoke with someone there, said I only owed them about {$96.00}. I requested this in writing and she said the manager would call me the next day. That never happened. 

I don't feel I owe them any money since I never got the walk-thru I requested and I never signed the walk-thru. I was given 3 different amounts of what I supposedly owed and after contacting the management company, who referred me to the regional manager, I was sent an email with a detailed list of move out fees I supposedly owed and it is close to {$500.00} this time! She said in the email that now I would have to deal with the collection agency since it had already been turned over to them. OMG, I  have never been treated this XXXX by an apartment complex in my life! I wouldn't have believed it if it hadn't happened to me!!! 

I would appreciate any and all help with this matter. In my opinion, consumers should get to dispute these collection agency letters BEFORE they are sent to the credit companies. It's not fair that I have a negative item on my credit report for something I don't owe. XXXX  only upped the amount on the report, didn't even bother to investigate this. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2020-12-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter o XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.

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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 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 a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that 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 a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice 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 2020-12-01
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was reported to the Aldous & Associates for collection of a debt for 2 gym membership accounts. The name of the gym is XXXX XXXX. On XX/XX/20 I went into the gym and spoke with the General Manager named XXXX and satisfied BOTH accounts. I also rejoined the gym and got a new membership. XXXX stated he was going to email Aldous & Associates the same day to inform them the accounts were satisfied. The next day I called Aldous & Associates and spoke to a very rude man who stated he was not going to remove these accounts and he does not care what the General Manager at the gym says. He said he made his final stance and will not change his mind and the accounts will remain on my credit reports until I pay them ( Aldous ) the FULL balance and hung up the phone in my face. I then called XXXX at the gym to inform him what was said to me about the accounts. He was shocked to hear this information because he said this has never happened. 

I don't know what to do at this point because Aldous & Associates are VERY rude and really needs to be closed down.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: NJ
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 noticed that Best Buy pulled my credit without my consent on Monday XX/XX/20. I was asked if I had a rewards membership ( which I do ) and I figured they were just going to pull it up. He asked me for my social. I asked the employee what do you need my social for? It is just a rewards card for discounts and points. He stated my rewards card information needs to be updated. They instead ran my credit. I noticed 2 inquiries once I got home. I received credit alerts from my app.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2022-02-01
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
In XX/XX/2017, Specialized Loan servicing bought a loan of mine from XXXX. They claim it is a second mortgage/ Real Estate loan on my credit report and the address they continue to report as my property has not been mine for 13 or so years. This is an ongoing issue an accounting error had created issues with what was owed etc. Now in trying to purchase a home, lenders say I have to wait because I defaulted on a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around the middle of XXXX I checked my credit report and seen a new added collection from XXXX XXXX i immediately looked into the account to try and gather any information I could about the unknown debt. The first action I took was to dispute it with all 3 credit bureaus, and I also wrote the collection agency as well to get this resolved. I waited 30 days to hear back from both parties. I looked more into the negative information and it reports the debt was opened in XX/XX/XXXX for XXXX original creditor was XXXX XXXX now I'm more upset at the negative information because I been with my light company past 2 years so could i open a new account with them. XXXX comes back and says it's verified as my account which is impossible. So I looked into the FDCP section 809 and read upon the unfair debt practices I should have received a letter which gave me a right to dispute. So I decided to call and ask about the account. I asked the lady why are they reporting inaccurate information on my report and to verify the address. She tells me the debt was XXXX and gave an address of a city I never lived in now I'm really confused how did XXXX verify this debt was mines when the information clearly doesn't match. I'm currently trying to buy a house and it's very unfair to have a debt pop up out of nowhere and for them to tell me it's from XXXX that's a 6 yr old debt with a city I never lived in that my credit report is suffering behind inaccurate unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date : XX/XX/2017 Amount : {$390.00} Action Taken : When I disputed this account and it was removed on XXXX and XXXX, but LVNV Funding forgot to remove it from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: LEXISNEXIS
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexus has been giving out bogus information on a Lexis Nexis Credit report.

The information was given to a prospective employer, which resulted in I not being offered the position. The employer informed that I was not getting the job because of the information that was provided by Lexis Nexis. When I tried getting touch with Nexus Lexis Nexis they were impossible to reach.

Lexis Nexis is refusing to provide me with a copy of the report.

Instead they send me a code number to type in that is completely useless. 
The code number is their way of insisting they are following consumer law when in fact the number they are providing is fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My problem involves a dispute with Barclays Bank. 
On XX/XX/XXXX XXXX canceled my upcoming trip to the XXXX XXXX, scheduled for XX/XX/XXXX, XXXX. XXXX waived any cancellation fees. 
On XX/XX/XXXX, I called Barclays dispute  division to file a claim. I waited a full 3.5 hours on hold, only to be transferred back into the hold line, because the representative was following a script and didnt have a proper answer for me. At this point I sent a letter to Barclays, with 12 pages of supporting documentation. I follow up with more useless phone calls, no customer service to be had. I dont know why you pay someone to not assist your customers. 
In the meantime, XXXX has credited the non-cancellable flights to our XXXX accounts, no problem, issued the same day. 
On XX/XX/XXXX, Barclays confirms dispute, yesterday, XX/XX/XXXX, I receive a letter stating that you are unable to pursue this credit because of the merchants no refund cancellation policy. I sent documentation directly from XXXX stating the cancellation fees ( {$50.00} ) had been waived. In fact I would have had until XX/XX/XXXX to cancel myself with just the {$50.00} cancelation fee. I did not cancel this trip XXXX did. 
As a matter of fact, my account on XXXX shows a credit of {$1300.00} issued XX/XX/XXXX. This has not appeared on my account, and XXXX has been answering disputes with this false claim. 
I filed a dispute for SERVICES NOT RENDERED, NOT TRIP CANCELLATION. I paid XXXX {$1300.00} for a 7 night stay in the XXXX XXXX. I have documentation that XXXX did not pay the XXXX XXXX XXXX in the XXXX XXXX. XXXX actually pays the hotel at the end of the stay. 
XXXX paused operations and told me to take the issue up with my bank. They have my money and you are refusing to assist 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 explanation
Consumer complaint received 2022-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has been reporting that I owe them money on my credit report. Before this, I have never heard of this company or ever done business with them. I have been writing to both the credit bureau and Portfolio Recovery to have this debt removed from my credit report. In order for this debt to stay on my credit report, Portfolio Recovery continuously approves or update the status that I owe this debt. But how? They have yet to substantiate or validate this debt according to FDCPA requirements. They have not shown any documentation with my signature on it in agreement with their company, They have not shown how they calculated this debt, or even where this debt orginated from with THEIR business.This is unfair and by far detrimental to my credit. They are in violation of both FCRA and FDCPA act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a business credit card with American Express. On XXXX XXXX I paid {$12000.00} to pay off the balance. After that the credit card company decided to close my account. In following two months I received the statements with XXXX balance. I was not able to use the card as it was already closed. 
Surprisingly for me I received the statement for XXXX ( for the XXXX month after closing ) in which it is shows that the adjustment was been made and the payment for {$12000.00} was been returned. First off all I did not authorize the American Express to reverse my payment and second how did they act without notifying me first. 
I am attaching the last 3 months statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Credit Plus 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, Credit Plus add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation