BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: Credit Karma, LLC
State: MD
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:
I am distressed that you have included CREDIT KARMA, INC information in my credit profile on XX/XX/2021, XXXX, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an open credit card with Chase bank. 

In XXXX, I set-up payments through their customer center to be charged to my checking account through XX/XX/XXXX. 

I paid off the entirety of my card in XXXX of last year. 

Despite the fact that my card was paid off, I was charged {$110.00} on XX/XX/XXXX, which over-drafted my account. 

I contacted their claims center and spent 45 minutes on the phone with them. After being transferred several times, they told me that even though the card no longer exists and there was no balance on the card, they could not credit money to my account. 

So, I am faced with an over-drafted account, potential fees, and hardship today and until I receive more money because of an error on how Chase processes their payments. 

To me, it does not seem right that I have to face hardship because an error in processing that Chase has made. The burden of making sure that my account is not being charged in error ( IE payments being made for a card that is already closed ) should fall on the company and not the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: WA
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:
For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX , XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with Experian and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.

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 2021-12-06
Company: EQUIFAX, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2018-01-22
Company: Ability Recovery Services, LLC
State: WA
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:
For about 6 months, I have been disputing an collection account placed with the credit bureaus by ABILITY RECOVERY SERVICES , LLC. 

This is not my debt. I have previously called the public phone number for Ability Recovery Services and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against Ability Recovery Services and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. Ability Recovery Services is responsible for me being denied for a credit card solely based on a collection account they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Navient Solutions, LLC.
State: NJ
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:
I originally took out a loan through XXXX XXXX under circumstances I was n't properly informed. I began paying them directly after I left college without a degree, slowly but surely. Years later, my service was switched to Navient. Unaware of any ability to stop this, I then continued my payments with Navient. After several years of payments, my principal has n't budged but instead it has increased. Unfortunately, I have not kept any original loan documents and can not afford a lawyer to review my documents. But I have continue try my best to make payments. After suffering a recent job loss, I am now receiving non stop phone calls to phone numbers I have removed from my contact information. My family who was previously listed only as references are now being called repeatedly and receiving letters in the mail. I am sure this is to embarrass me and make me feel pressure to not pay one month late but I never provided Navient any of this contact information. Luckily, one of my family members sent me the letter she received. It appears they have mailed all of my contact information including address and phone number. I am now concerned this letter was also sent to an individual I have a restraining order against and there is no way for me to find out. Please point me in the right direction of any help I may be able receive in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went on XXXX website to try to get my report and now they are saying they are not able to verify my information. I was also denied for two loans because they can't verify my identity due to pulling reports from XXXX... I have always been myself and would never steal anybody else 's identity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX. I file a dispute letter with XXXX, Transunion and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, XXXX and Transunion didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to XXXX and Transunion were 609 and 611 FRCA.

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 2018-01-21
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to account services regarding account XXXX asking for verification and validation of this account. I was notified that it was verified without any proof of documents in original form with my signature. and no proof of a fair and thorough investigation.

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 2018-01-21
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the company is called Ar Resources, and they have reported 3 separate accounts to all 3 credit agencies. the first was reported XXXX XXXX, XXXX for {$680.00}. The second was reported XXXX XXXX, XXXX for {$1400.00}, and the third was input XXXX XXXX, XXXX for {$710.00}. I have demanded that they send me proof with my signature that i opened these accounts, as per section 609 of the fair credit reporting act, but they have yet to do so. These need to be deleted from XXXX, XXXX and XXXX immediately since the company failed to provide me with signed proof that these are my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: SC
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 have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX UNTIL first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
TD Bank is blocking me from being able to link my mobile wallet to my bank account. I need them connected so I can deposit if I decide to see assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
A prospective client found me on my website. He asked for my professional services. I quoted my price and he sent a check that I deposited in my Wells Fargo Checking Account. The amount appeared in the Pending Transactions Window for three days. The fourth day, a Monday, it was in the CREDIT COLUMN. I believed the check had cleared. Fraudulent client asked for money back on Tuesday. Tuesday morning the amount was still in the Credit Column. I sent him {$4000.00} out of the {$5800.00} he had sent as I had already started the work.I had a cashier 's check prepared at 1 PM on Tuesday at a Wells Fargo branch and deposited the money at the bank indicated by the fraudulent client. On Tuesday night Wells Fargo informed me the check had not cleared although it had been in the Credit Column since Monday. I sent the money back believing the check was solvent. By the time Wells Fargo informed me that this was not a check supported by funds it was too late. My question is - WHY WAS THE AMOUNT IN THE CREDIT COLUMN OF MY CHECKING ACCOUNT AND NOT LEFT IN THE PENDING TRANSACTIONS WHERE IT HAD BEEN FOR THREE DAYS? Wells Fargo fined me {$12.00} and takes absolutely no responsibility.

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 2021-12-06
Company: GVA Holdings, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
794.901 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$4600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$1400.00} This is a rip off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NATIONAL CREDIT SYSTEMS #XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX


National Credit Systems has 2 erroneous debts on my credit report for XXXX  XXXX.

NATIONAL CREDIT SYSTEMS #XXXX placed for collection: XX/XX/XXXX Balance: $XXXX and Placed for collection: XX/XX/XXXX Balance: $XXXX XX/XX/XXXX.

XXXX  Credit report shows false debt has been disputed by me:

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX

National is aware this is a false debt as I currently reside at XXXX XXXX, my lease has been renewed each year in my name since XX/XX/XXXX, because I paid all my debt to XXXX XXXX

National Credit Systems is aware of this fact as they just mailed me a letter to my current residence at XXXX XXXX.

I have provided a copy of my account ledger, which illustrates, I am still a XXXX XXXX tenant and my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent LVNV Funding LLC a cease and desist on reporting my information to the three credit reporting agencies. LVNV Funding LLC has already received notice that i refused to pay this alleged debt because they illegally bought my information from XXXX XXXX without my written consent. LVNV Funding LLC is now civilly and criminally liable for violating my consumer rights. LVNV Funding LLC has yet to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is worst kind of company incompetent and totally out of compliance! Do not call or ask this company for advice, XXXX XXXX XXXX! My wife and I called in 2012 and asked about having our taxes done with XXXX. We never entered into a contract nor did we ever sign any contract agreeing to any fees! Our contact XXXX was disrespectful and egregious to my wife, a XXXX XXXX, and myself. We did not like her attitude, guess we were right as she has reported us to collection agencies for erroneous fees she says we owe when we never agreed to any fees nor did we enter into a known contract agreeing to any fees! We actually never met with nor did we ever intend to employee this nasty person XXXX! This was a horrible person and we never would do business with a person like this!. Not to mention because our phone call took place 5 years ago, the statute of limitations for a collection has passed for either a written and or verbal contract, nor did the company go through due process. The collection agency is a gross injustice and in violation of the predatory lending laws and needs a reprimand by the CFPB. Please see that this horrible company are fined due to fact that they are out of compliance and we would not want to see any good folks like us taken advantage of. We will pursue this company to the full extent of the law for their greed and gross injustice. We wish to be adjudicated forthwith without prejudice! We have reported this company to CFPB, XXXX and the Better Business Bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Optimum Outcomes NC XXXX XXXX XXXX Permit # XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone XXXX Negotiated Payment of Debt with Optimum Outcomes in exchange for debt being removed from all 3 credit reports. 

I paid the debt, however, it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Fraudulent withdrawals of crypto currencyXXXX lXXXX From merchant : Coinbase Pro To XXXX, that I NEVER had or have an account with 1 ) XX/XX/2018 XXXX Withdrawal of 5 ETH in dollar amount of {$20000.00} 2 ) XX/XX/2018 XXXX Withdrawal of 5 ETH in dollar amount of {$20000.00} Please investigate and recover my losses. 

Claimant/Consumer : XXXX XXXX Cell : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo Home Mortgage is reporting a past due balance on my credit report with the three major credit bureaus. This is inaccurate and violates The Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, Wells Fargo modified the loan as a Trouble Debt Restructure in the name of XXXX XXXX. As a result of the XXXX, the loan was subsequently brought current. Although the mortgage is current, the mortgage is showing as a late payment on my credit report in the amount of {$2600.00} and shows 60 days late. I believe the failure of Wells Fargo not updating my information is negligent. As a result, the action of Wells Fargo has damaged my credit and caused me emotional distress and mental anguish.

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 2018-01-21
Company: CITIBANK, N.A.
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:
I closed my account in XXXX 2017 due to identity theft and home burglary. Now the credit card company Citi bank tries to collect {$1500.00} that was previously resolved due to fraud. I do n't owe this amount. Plus, when I closed the account, my balance was {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation