BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
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:
I have been working with Equifax who over a year ago removed XXXX accounts reporting from XXXX after they exceeded the 7 year from last reported delinquet. XXXX has now again reported reaged debt by simply not showing late payments before XXXX. I have contacted Equifax and so far they keep saying XXXX is stating they are reporting correctly. This is not legal when these accounts are over XXXX XXXX XXXX. The partial account info is XXXX and XXXX. This practice must stop as it just happened to my wife with yet another XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed a complaint with Experian requesting them to remove a name that is incorrectly reported to them my official name as it is on my NC drivers License should be XXXX XXXX XXXX. 

One of the incorrect names on the report is XXXX XXXX, I informed them that this was the incorrect information and they sent back that they would not be removing the information, that is the information that is sent to them from another but I would have to contact Experian to be able to contact the source and they supplied me with a number. 
Just because a source gave them the name does not mean that they took it correctly, Experian thinks they are always right and it is my right to have the correct information on file. I think I know what is correct and they act like that I am trying to remove something that is illegal or illegitimate.

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 2018-06-08
Company: SYNCHRONY FINANCIAL
State: TX
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:
there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX  even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage .XXXX XXXX  XXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my credit.XXXX cont to do negative reporting XXXX wont forgive me either, XXXX XXXX took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry XXXX XXXX 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 2021-08-18
Company: AXOS FINANCIAL, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Axos bank in XXXX-XX/XX/2021 because my credit union does not allow the initiation of a wire transfer online but Axos bank claimed they did, since theyre an online-only bank. My credit union is local, I was out of state and I needed to make some wire transfers so I linked my other credit union checking account with this new account at Axos on XX/XX/XXXX and moved {$3800.00} from my other checking account to this one at Axos on XX/XX/XXXX. 

Once the money cleared on Friday XX/XX/XXXX, I made a wire transfer request. I made some errors in my request so it wasnt processed and on Monday XX/XX/XXXX, Axos sent me a message in my online banking portal explaining why. That same day I modified my wire request and resubmitted it. It wasnt processed and instead Axos sent me an email the next day, XX/XX/XXXX, informing me that they needed to confirm that I owned the other checking account I linked and from where the {$3800.00} came. In order to do this, the message continued, I would need to send them an image of a void check that proves that I am a signer for the linked account or a recent account statement. 

The next day, XX/XX/XXXX, I sent them an image of a void check clearly showing that Im a signer for the linked account. I logged into my online banking portal on XX/XX/XXXX hoping to see a message from Axos acknowledging that they had received the void check but there was none. Instead I saw that they had frozen my account : I couldnt move money in or out. 
I sent them another message that day asking why they froze my account even though I had done exactly what they asked of me. I called them on the phone on XX/XX/XXXX and they claimed that the issue would be resolved. They sent me a message on XX/XX/XXXX, saying they couldnt find the void check I sent them so I re-sent the void check again that day. 

I called them on the phone again on Monday XX/XX/XXXX and I received a message from them on my online banking portal later that day. They said they had received the check and had forwarded it to the appropriate department for review. I waited patiently throughout the week for another message from them but none came. So on Friday XX/XX/XXXX I called them yet again and later sent them a message expressing my frustrations with their service and demanding that they resolve the issue as soon as possible. 

When I received no message from them I called them on the XXXX and again yesterday, XX/XX/XXXX. They sent a message today, XX/XX/XXXX, and its yet another apology. I have no idea how long it will take them to resolve this issue. Their customer care representatives are unhelpful and clueless. They refused to let me speak with any of the folks in charge of my account. Please help me CFPB. Im at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made an online purchase using Venmo that turned out to be a scam. I contact Venmo after exhausting my attempts to contact the seller ( purchased carbon handle bars, mounting stem ) and was told Venmo transactions should only be completed with people you know and trust. They offer no protections and refused to close the scammers account. Through research this person XXXX XXXX XXXX XXXX is actively scamming people and Venmo is aiding these scams by not address their clients feedback. I plan to discontinue my use of this service but don't want others to fall victim to the same scam because Venmo allows fraud/scams to occur on their network. Luckily it was only {$150.00} but could be much worse with not safeguards or consumer protections. I hope their executive enjoy their nice bonus made of of my hard earned dollars that were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: DE
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/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 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 2018-06-08
Company: AMERICAN HONDA FINANCE CORP
State: TX
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:
there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage XXXX XXXX XXXXXXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my XXXX cont to do negative reporting XXXX wont forgive me either, honda finance took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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: Billing dispute for services

Complaint:
i have never been late on a payment in my life. due to the recent virus a bank of america card was paid a lil later. this was not my doing, i ask for forgiveness due to the pandemic and i will do anything to clear my name.

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 2019-01-19
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:
fail to remove a fraud alert and banks holding loans against me because i've been i victim of ID theft

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 2021-08-18
Company: Mountain Run Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see original complaint ID XXXX, that has been closed without resolution. 

Mountain Run Solutions, a debt collector, has purchased and is attempting to collect on an an account that has been charged off or placed in Default by XXXX. 
In the course of this attempt they have committed Mail Fraud and Identity Theft ; please see the following laws : 18 USC 1341 and 15 USC 1681q ( 3 ). Referring back to the original letter to Mountain Run Solutions, there are three issue
s I brought to their attention. Their response to that letter only partially addressed one ; debt verification. 

Also, please refer to paragraph four of my letter ; if XXXX placed the debt in XXXX or Charged Off the debt, no debt remains owed to anyone. Per my phone conversation with the CFPB, these types of accounts must be removed from all reporting agencies, thus my original complaint submitted to them. 

Mountain Run Solutions had until 30 days from date the certified letter was received ( XX/XX/21 ) to provide this information requested and comply with the law, otherwise they are required, per the FCRA, to delete the account they have reported to any consumer reporting agencies about me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I try to contact the credit agencies on numerous occasions to let them know that mortgage keeps going up drastically every month and it is affecting my scores.My mortgage balance is 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 2020-05-09
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:
I have a XXXX  XXXX credit card. I was never late on it.I sent Equifax my credit card bank statements to show them that I was never late on it and they still dont want to remove the late payments on the account. They told me to contact XXXX  XXXX and I contacted XXXX XXXX on XX/XX/XXXX they told me they will send a letter to Equifax to remove the late payments on my account and after 30 days the late payments should be removed. I called Equifax last week they said the late payments will stay on my credit file for 7 years.Thats my 12th times disputing those late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
All these inquiries are not authorized or in any way consented by myself. They are a result on ongoing attempts to steal my identity : XXXX XXXX XXXXBank XX/XX/2020 XXXX XXXX XXXXBank XX/XX/2020 XXXX/XXXX/Variety and Other Retail XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXBank XX/XX/2020 XXXX XXXX XXXX/Personal XX/XX/2020 XXXX XXXX XXXX  XXXX ... XXXX XXXX XX/XX/2020 XX/XX/2020

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 2018-06-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I lost my card on theXX/XX/XXXX, reported it stolen on theXX/XX/XXXX after checking my online statement and seeing someone was using it. When I went to the bank to close the account, I filed a dispute for the claims that I didn't make and the banker told me the account would be frozen and closed after the investigation was completed. About a week later a total amount of {$1600.00} was reversed on to my old account and I was told by three different bankers that a check for that amount was being sent to my home. As I patiently waited for the reimbursement check, I opened a new checking account with the financial institution. I received an insurance check in the amount of {$3700.00} on about XX/XX/XXXX for a car accident I was involved in on XX/XX/XXXX to repair my car. A few days before my car was scheduled to be released from the shop, I noticed that {$1100.00} was withdrawn from my new checking account due to rejection of my claim and I still hadn't received the reimbursement check of {$1600.00} that I was told about on multiple occasions. I went to multiple branches of the bank, spoke to many bankers, and people in their claims department over the phone and nobody could give me a definite answer to what happened to my money. When I spoke to a supervisor I was told there was nothing that could be done at that point unless I toke actions into my own hands by hiring a lawyer and notifying my local police department. So I had to take my car out the shop ( without it even getting worked on and on top of that I had to pay a {$500.00} storage fee just for having them keep there with no work done ). I feel like the lost of all this income could've easily been resolved had the bank investigated my claim correctly the first time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a part of a liquidification plan with XXXX on my XXXX XXXX and XXXX card, I made an arrangement months ago to make a payment on {$84.00} a month for the XXXX XXXX card and {$46.00} a month on the XXXX card. I made on time payments through auto-pay for every payment then got an email this month saying my account was overdue. The XXXX representative and website set my checking account would be auto drafted those amounts until the card was paid of in 2024. When I saw that I got an email saying my payment was late, I called XXXX and was on the phone with them for hours, disconnected all for them to tell me they " don't know what when wrong. '' I told them what their representative told me about the auto pay and they refused to listen to me. I lost my job before my job now which caused me to go on this liquidfication plan, but now despite me making a payment plan with them, they reported both of my counts delinquent which brought down my credit score 56 points  when I worked so hard getting it up the past year. I told the representative I would pay that day but they refused to take it off my credit report if though it is their system and representative error. I have to move into an apartment soon and due to the 56 point drop I had overnight because of this horrible company 's issue, I am not going to get approved now. I paid off several of my credit cards the past year and this has set me back significantly when I worked so hard to improve my life and credit. I need them to take this off my credit report immediately because it was their fault that they told me they would auto-draft from my account until 2024 and then just suddenly stopped the auto-pay without informing 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 2019-07-15
Company: ID Analytics, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is a Bogus reporting agency. It sent me a letter saying my score was in the 400s!! My score has NEVER been in the 400s. The reporting agency has many claims against them for the same reason. Its inaccurate reporting and they should be shut down!

Company response to consumer: Closed with explanation